Research On The Countermeasures Of The Development Of Personal Financial Business In Chinese Commercial Banks

As the development of China’s economy，income is rising，personal disposableincome growing，demand for financial services will continue to increase. TheCommercial Bank of our country development of homeopathy， actively develop thepersonal financial business，and has made certain achievements.However，since2007，the economic crisis to global economic development，China’s commercial banks personal financial services have a tremendous impact，theproblems and risks of the bank are exposed. With the deepening of financial systemreform，foreign financial industry gradually liberalized，foreign financial institutionson the penetration of China’s financial industry is more and more deep. In2013Alibaba’s "yu e bao" led by a group of Internet Financial madness to seize thetraditional banking market， exacerbated by the bank to attract investment dilemma.At the critical moment of the domestic trouble and foreign invasion，Chinesecommercial banks should strengthen the systematic study of personal financialbusiness，make targeted financial products，enhance market competitiveness，ensurethe personal financial business of our country bank standard， healthy， rapiddevelopment.In this paper，through the combination of theory and practice，with a vividexample of commercial banks in China，points out some existing problems and risksof financial products，then fuses the international experience and our country’sconcrete practice，to develop a series of targeted financial planning，to a certaininspiration and guidance for the development of personal financial business in Chinacommercial banks play.The first part introduces the background and significance of topics，researchmethods and research status of personal financing business of commercial banks athome and abroad. The second part introduces the connotation and main contents ofpersonal financial business of commercial banks，and describes the life cycle theory，portfolio theory，financial innovation theory and other related theoretical background，as well as the inner force of the development of personal financial business in china. The third part of the personal financial business of commercial banks operating intypical developed countries，summed up the advanced experience，offers the referencefor commercial banks in china. The fourth part analyses the present situation andproblems of China’s personal financial product market. The fifth part is thesuggestions on the development of personal financial business of commercial banks inchina.