Research On The Development Strategy Of P Bank’s Personal Financial Services

Traditional commercial banks financial services are mainly from a professional competence of financial personnel for the current income and the purchase of a series of needs, such as housing, health care, pension, etc., the use of investment, tax, insurance, loans and other methods at a specific point in time to achieve a certain degree of financial freedom. At present, the so-called financial management of our country is only to increase the income of the client’s property, in the premise of the basic rigidity of payment, in fact, is a disguised form of the people’s Bank of interest rate regulation requirements, improve the short-term deposit interest rates. Personal finance business has become the commercial banks to compete, commercial banks in the retail field want to have better development, continue to formulate effective development strategy for the development of personal financial.In the first part of the introduction, the research background and literature review of the research are given. The second part of the origin and significance of the commercial banks and their significance are described, the commercial banks personal financial management, including the variety of business, financial management, and some basic theory. The fourth part is about the development of foreign financial management of the corresponding origin, through the analysis of foreign personal financial services to get a certain reference and inspiration. The fourth part is about the current situation and development strategy of P bank personal financial management.