The Present Situation And Problems Of Personal Financial Business Of Our Country Commercial Bank

With the continuous growth of our national economy, people’s income is increasing, China’s financial system reform and the deepening of financial awareness, residents and financial management concepts are further enhanced, at the same time, all major banks in China also gradually to the commercial banks to change and constantly strengthen, comply with the development of the market, to bring the important opportunity all commercial banks to gradually develop the personal financial services for the development of the commercial banks, at the same time, personal finance business has become the focus of competition among banks, is one of the important economic growth point of each big bank. However, China’s commercial banks personal financial business is still in the initial stage, various factors and by domestic financial legal system, financial management system and the development of the financial market, in the rapid development at the same time also presents some new problems to be solved.This paper analyzes the development status of domestic commercial banks at present, when commercial banks and personal financial business, the understanding of the concept of simple, problem analysis and product characteristics of the post, to provide customers with a more thoughtful and meticulous service.Therefore, this article from the concept, the personal financial business of Commercial Bank of our country product features, development status, and then on the issues of concern to analyze, explore how to solve and the future development direction was discussed, have certain reference significance for the development of the market of commercial banks in china.