Bank Of China Ning Xia Branch Personal Finance Usiness Development Research

In recent years, China’s financial reform further the banking sector is fully open to the world of personal finance business in China as an emerging financial services, its resources is a wide, low-risk, easy to operate, earnings stability is increasingly becoming inter-bank business development of the focus of the competition. Restrictions due to national conditions, China’s commercial banks to develop the personal finance business in all aspects compared with developed countries there are huge gaps and inadequacies, especially the enthusiasm and business innovation in the business of personal finance is far behind developed countries. becoming more international financial industry in today’s increasingly competitive financial background, how to develop the commercial banks in China personal Financial Services is placed in front of us a new topic.I access to a large number of documents, a large number of publicly available information from the CBRC, China Banking Association refining information, combined with expert discussion and some case research and practical work in the personal finance department of Ning Xia Hui Autonomous Region branch of the Bank of China combination of methods to take the specification and empirical research, first described the necessity and significance of the personal Financial Services, described in detail the theoretical basis of the personal Financial Services, introduced the status of the Bank of China, Ning Xia Branch, personal Financial Services, analyzed so many problems faced in the development process. Using the SWOT of Bank of China, Ning Xia Branch existing strengths, weaknesses, opportunities and challenges faced, analyzed, which made suitable for development proposals of the Bank of China, Ning Xia Branch Personal Financial Services.This study is based on the bank of China Ning Xia branch of the personal financial management business, aim to commercial Banks in the personal financial management business have beneficial enlightenment and reference.