Shaanxi Province Commercial Bank Private Financing Business Performance Evaluation

With the economic and technological development and progress of China’s financial innovation and progress, with the rapid development of China’s financial market opening and financial market, many investors in the Bank of personal financial products as an important direction of investment, personal financial services broaden the investment channels for investors, but also greatly enriched the bank’s business lines, according to the survey found that due to deposit and loan spreads narrowed, traditional financial assets and liabilities and income of commercial banks in Shaanxi Province is also reduced, so commercial banks must find new sources of revenue, become a top priority in the run commercial banks. Meanwhile, the growing financial management concepts, more customers began to care about the problem bank customer’s own estate planning and asset value preservation and other aspects. Establishment of a market economic system, the gradual transition of commercial banks and specialized banks, the interbank original business division is still fuzzy, first, financial markets are not developed enough, the credit system is still not perfect, weak awareness of wealth management and other external environmental issues; the first two commercial banks themselves there are also a big problem. Therefore, to improve the professional development of individual commercial banks in Shaanxi Province, the urgent needs facing the bottleneck process is that it would appear to solve the problem, especially for personal financial products Shaanxi Province commercial banks. Therefore, this paper mainly in Shaanxi Province for the current state of the commercial development of the market assessment, Shaanxi banking products specific classification analysis of personal financial products based on different perspectives of various factors in the personal financial services and products, through visits and pre-scale reference PZB select Shaanxi Province commercial Bank personal financial services performance indicators, visited Xi’an and Baoji and the off northern Shaanxi Yulin and Yan’an Ankang and Shangluo in southern Shaanxi region, each randomly selected two commercial banks a total of twelve bank expert judgment, financial products available to collect data and then using AHP model, the arguments are stratified analysis and impact analysis to obtain performance indicators.