Research On The Development Of Personal Financing Business Of Inner Mongolia Branch Of Bank Of China

Since China adopted the reform and opening up policy, as well as effective measures implemented by the government to promote economic growth, China’s economy has been sustained and continuous development, the income of the residents have also been continuously improved, increasing disposable assets, the standard of living of the residents from subsistence better off gradually, gradually increased recently in the hands of the money left over. Residents began growing demand for financial products and services, It is in this environment, the wealth management business of domestic commercial banks came into being, but also has a huge space for development. For commercial banks, the traditional deposit and lending rates of profit growth advantage by the intermediary business, especially personal banking replaced, the Bank’s new profit growth point is the middle of business personal banking. With the trend of development, the major banks operating philosophy has also been a gradual shift, an important goal of all commercial banks operating have determined to be met in the actual needs of customers and banks to attract high-quality high-end customers, expand market share one of the core business and profits increased, personal banking, personal finance business. Bank of China as one of the four state-owned commercial banks, credit has a good foundation, has a strong capital, therefore, has a unique advantage to the development of the wealth management business. But at the same time, we should also recognize that, compared to banks in developed countries, the Bank of China does not have a state-of-the-art financial management concepts, there is no scientific wealth management business organizational structure, does not have enough wealth management business technical support, financial officers do not have a higher overall quality, and so on, these are the Bank of China to carry out the inadequacies of the Financial Services. Demand from China’s commercial banks on the theory, the advanced experience of developed countries, commercial banks dealing with personal finance business are summarized, and the combination of empirical analysis, systems analysis Personal Financial Services of the Inner Mongolia Branch of Bank of China, Bank of China Inner Mongolia Branch the strengths and weaknesses in the Personal Financial Services, a systematic exposition on personal finance and business development, making it seize opportunities, meet challenges. On the basis of these studies, targeted suggestions put forward to promote the rapid development of the Bank of China, Inner Mongolia Branch Financial Services, making it closer to world-class commercial banks.The paper is divided into six parts:Preface to the first part, the significance of the topic and related theory review, as well as the main research ideas and papers architecture introduces;Research Personal Financial Services, an overview of the Commercial Bank Personal Financial Services, and literature summary Review of domestic and foreign commercial banks Personal Financial Services; The second chapter analyzes the typical commercial banks at home and abroad of the personal finance business experience, to clarify the existing problems and trends in the the Personal Financial development process of the domestic commercial banks.Chapter on personal finance and business development strategy adopted by the Bank of China introduced; Chapter SWOT analysis, analysis of the strengths and weaknesses of the Bank of China in the start-up of Personal Financial Services, also pointed out that in the context of the financial crisis Chinese banks are facing opportunities and threats; Chapter based on the characteristics of the Bank of China in the Personal Financial Services, Personal Financial Services Development Bank of China Inner Mongolia Branch has a role in promoting policy proposal.