Domestic Commercial Bank Personal Finance Business Development

With the increasingly opening of financial market in China, personal financing services is becoming a competitive field in which all commercial banks can gain high profit. This essay try to analyses the present situations and existing problems of personal financing services, try to probe the causes and to present some practical suggestions, which is significant for Chinese commercial banks renewing service tenet and developing personal financing services.The essay is based on my work experience and directed by the theories of economics, managements and finance, strives to use the combination of normative and positive methods and comparison methods to put forward the thought of development of personal financing services for commercial banks. The thesis studies the development of personal financing services of commercial banks in China as the following:1. It analyzes the theoretical basis and practical demands of the personal financing services of commercial banks. finance experts introduced the theory of the financial system reform based on the functional perspective, which provides the theoretical basis for the development of personal financing services. As far as practical demands are concerned, individual costumers need more and more personal financing services due to the accumulation of their fortune. At the same time, commercial banks need to expand their profit resources, realize profit maximization and attract Middle-and-high Profit customers.2. It compares the current situation of personal financing services development in foreign commercial banks with that of Chinese commercial banks, and profoundly analyzes the current problems in the process of the personal financing services development in Chinese commercial banks: One problem is the empty concept definition of the business development; another problem is the serious homogenization of the products which lack innovation; still the other is low-skilled services which lack competitiveness; yet the other is random of the organization structure and the poor...