Commercial Bank Individual Financing Business Development Research

Along with our country economy continuous and steady development, the accumulated wealth of people continue to increase and people is not longer satisfied with the savings as the only mode of investment. Funds, stocks, bonds, insurance, bank financing products provide people with a more choice. Financial needs and cultural restrict financial business development and financial risk control needs to be strengthened. Personal financial needs in the diversification and financial assets multiplication pattern is gradually forming.In domestic commercial Banks, the personal financial management business is a new business. It is a comprehensive financial service. It is to point to professional financial personnel collect customers’ various material, to make clear the customer financial goals and risk attribute, for the customer tailor financial plans to meet customer demand at life different stages. Banks enable customers to finally realize life in financial freedom、independence and comfort. Compared with the personal financial management business abroad. China’s commercial Banks’personal financial management business is still at the primary stage. Financial management level is low and there are a series of problems. The existing system has limited the personal financial management business innovation space. Product’s homogeneity phenomenon is seriously and financial management business level is not high.Based on the above background, domestic commercial Banks’ personal financial management business exist many problems. How to develop and prospect in the future is what will be discussed and the purpose of the research. As a bank financial personnel, I stood in the commercial bank angle for commercial bank individual financing business development as the research object. The article is divided into six parts. Background、 significance summarizing literatures and research methods are introduced in the introduction. The theory described section portfolio theory、the capital asset pricing model、the life cycle theory and market subdivision theory. The theory of the personal financial management business in bank’s application is analyzed. The third part first introduced the domestic middle business status. And then this paper expounds the present situation of the personal financial management business and analyzes the existing problems. Case analysis section lists two cases. The one is a bank for2011with releasing of specific customer a structured finance product and the other is making financial planning for the customer. Then according to front proposed the question, the article proposed countermeasures and Suggestions. Finally this paper summarizes and the full text of the development of financial management business in the future was prospected. Hoping to future domestic commercial bank financial business development it can provide valuable reference.