Commercial Banks Based On Demand And Supply Perspective, Financial Business Risk Analysis And Countermeasures

With the advancement of the process of China's accession to WTO, according to the promise in the December 11, 2006, financial services in China will be gradually open to foreign banks, competition of personal finance planning business has entered a new era. Survey shows that up to the end of 2010, the total savings deposits of Chinese residents have exceeded 20 trillion and the number of effective accounts in Shanghai and Shenzhen stock market amounted to 134 million, which lead to a strong demand for personal financial planning services. However, to domestic commercial banks, personal financial planning business is still a new business, there are too much to handle, such as the demand situation and the market segments for personal financial planning services. And in the beginning of the exploration of this section, there are some problems needs to be solved urgently, for example, the shortage of products and professional staff. Development of personal financial planning market will be restricted by these problems. The needs of the market can not be satisfied and it will bring some risk which will be a threat to the market. Nowadays, personal finance planning business is still in the initial stage, the research of this era is helpful to explore the potential market and occupy this emerging market quickly. Otherwise, development of personal finance planning business will expand domestic demand, stimulate consumption, and cultivate the need for consumer focus. Now, concerns have arose about excessive growth of savings deposits of residents, personal finance planning business helps financial institutions to play the role of intermediary function of savings to investment. In fact, the variety of personal financial product requires constant innovation, personal finance professionals need to gradually formed, and the practitioners also need to enrich and improve the skills. Changes in the practice of financial theory put forward new demands, leading to a strong sense of urgency for the studying.This paper analyzes the impact of financial product demand and supply factors, shows the risks and constraints brought up by the imbalance with examples , and proposes the countermeasures. By drawing on the experience of foreign banks, we describe the idea of personal financial services, methods and strategies, in hope to a further understanding of the content of Personal Financial Services, and make more effectively guide the practical work.