Research On The Legal Issues Of China's Commercial Banks Personal Financial Services

Personal finance services as a major pillar of the current financial industry, which has a rapid development, is highly favored by the public. And it has brought unprecedented opportunities for corporate financing and personal investment. However, due to the lag of law and the rapid development of society, the problems such as the vacancy of legislation, the confusion of judicature and the ineffective supervision are hindered, greatly hinders the healthy and sustainable development of our personal financial services. Therefore, it is necessary to analyze the current situation and existing problems of personal financing services of commercial banks in China,drawing lessons from foreign experience, to put forward corresponding suggestions in accordance with China's personal financial services and the characteristics of socialist economy market. In this way, could effectively ensure the legal management of China's commercial banks personal financial services. In our country economy has entered a period of gentle development, with the helping of the steady development of personal financial services, will beneficially promote the overall economic development and improve the public's happiness index and the market competitiveness commercial bank. In addition to the introduction and conclusion, the thesis is divided into four parts:The first part mainly introduces the concept, characteristics, classification and nature of personal financing services of china's commercial banks. Which are the basic theories of personal finance services, will help to establish the basis for the argument.The second part mainly introduces the current situation and existing problems of the legal regulation of personal financing services of commercial banks in our country, and analyzes them to determine the shortcomings.The third part mainly introduces the useful experiences of the world's major countries and makes a conclusion. It can be useful for foreign experience to help our commercial banks improve the legal system of personal financial services.The fourth part mainly puts forward the perfection proposal of the legal regulation of personal financing services of our country from four aspects of legislation system, self-discipline mechanism, supervision mechanism and litigation mechanism.