A Study On Commercial Bank Individual Financing Business Of U.S And Japan

Individual financial business has become the developed country commercial bankservices, it is an important link between personal and commercial bank, it will also beaccompanied by the rapid growth of our country economy and national wealthaccumulation, and presents the vigorous development trend. This paper selects thefinancial business development and regulation were representative of the developedcountries--the United States, Japan as the research object, analyzes the two states ofindividual financial business development foundation, process and characteristics ofthe present situation of the research are summarized in the United States, Japan, in thedevelopment of individual finance business, find some useful reference in Chinapractice and characteristics, but also by comparison, proposed that our country presentin the banking business on the advantages, shortages and suggestions, for our countrycommercial bank financial business development some certain practical significance topromote. The full paper is divided into five parts:The first part, the commercial bank financial business conceptual content,including the commercial bank financial business definition, and commercial financialservices related to the main business concept, as well as the financial productsclassification. These financial products are mainly classified according to productgains access, investment risk, structure design, currency, time and whether themainstream financial or offbeat financing to distinguishThe second part to the third part, the United States, Japan, commercial bank’sfinancial business development history, background and status of research. As theUnited States in the last century70’s along with the banking financialdisintermediation began commercial bank financial business development; Japan is in century90time by the foreign bank competition and the impact of financial reformand the beginning of commercial bank financial business development; the UnitedStates is for the commercial bank customer service comprehensive and high-tech;Japanese commercial banks take the view of its aging population, fewer children andmore disaster situation for customers with a large number of functions of insurancefinancial services; Japanese commercial banks pay attention to the customer loyaltyand customer segmentation emphasis.The fourth part summarizes the United States, Japan, the commercial bankfinancial business characteristics, such as the United States commercial banks infinancial business development for globalization of service, rich products, adequatestaffing, protection of investors and other characteristics. the Japanese commercialbanks in financial business development to intensive operations, customer service, finedifferentiation combined with the situation of product design features. On the analysisof features, through an example make the analysis more intuitive, including the UnitedStates Citibank global leading business model, Japan’s Asahi bank to enhancecustomer loyalty and customer life growth of the whole process of service, Japan Bankfor the Japanese elderly population in the accumulation of wealth and investmentdemand characteristics of special design of financial products and services. At theconclusion of the United States, Japan the two commercial banks in financial businessdevelopment on the basis of the characteristics, the good and the present situation ofour country carries on the contrast, refines the development of China’s commercialbanks of financial business to find out some enlightenment, find out the gap, avoiddetours, improve development efficiency.The fifth part, according to the United States, Japan’s commercial banks’ financialservices to the enlightenment of our country, proposes to our development of thebusiness, including the product design, business innovation, improve services, staffing,and other aspects of supervision work.