On State-owned Commercial Bank Personal Finance Business Development

The article carries on the brief summary to the business of management of personal financial services of the commercial bank at first, then start with the current situation of the business of management of personal money of state-run commercial bank and reason to emerge, has analyzed , direct to the existing problem , on the basis of using the external commercial bank for reference and developing business advanced experience of management of personal money, combine the actual conditions of our country , has proposed the thinking of development of the business of management of personal money of state-run commercial bank.The article has summed up the definition, kinds and characteristic of the business of personal financial services ,and stated the realistic meaning of studying this problem of " the business existing problem of the management of personal money of state-owned commercial banks and thinking of settlement"; Have analyzed the subject matter existing in business of management of personal money of state-owned commercial bank: Lack restriction , restraint of employee's quality , shortage of the financial product of enough paying attention to, financial policy and law , lacking strong technical support ,etc.The thesis analyzes the major problems of personal financial services in the state-owned commercial banks systematically and comprehensively, and advances some suggestion to develop this business in detail, not only analyzing the defects of the state-owned commercial banks in developing personal financial services ,unlike other comparable articles.