| The fast development of economic in china brings out the prosperity of financialmarket; create favorable conditions for the development of financial services in oursocialist market economy. With the increasing amount of funds available fordistribution and the demands of invest and consume, Personal Financial Services comeinto people’s perspective. Because of the personal financial, s stability, rent ability andlongevity lead to this services win a part of market share in finance. Today thepersonal financial has been an important economic activity in human’s daily life. Todevelop personal financing business, for China CITIC Bank of Luoyang, is aneffective means to relieve the contradictions between deposits and lend money, and italso meets the needs of financial assets risks. Besides, it is the best choose for the bankto realize the strategic aim and transformation as well as scientific development. Inorder to enhance the competitiveness, china bank of Luoyang broads and expands itspersonal finance service, develop new business areas; seek new profit growth andimprove the banks’ interior risk control system, optimize the internal structure.Based on the development of personal finance service in China CITIC Bank ofLuoyang, this paper analyses the bank’s internal and external surroundings and thenanalyses the problems during the development of personal finance service, finallypropose the statics and safeguards of this servers.By the discussing, this article suggests that it is a long way for the bank to finishthe development of personal finance services, and it has to change the idea of thefinance business, innovate the mode of. It needs a perfect relationship between thecustomers. At the meanwhile, it should transfer the method according to the differentinstances in order to realize the personal and different service strategy, besidesregulation and optimize the managers team is needed. Only in these ways, can thisdeveloped more effective. |
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