Study On The Personal Wealth Management Of Commercial Banks Under The Background Of The Internet Finance

The individual financing business of commercial banks developed earlier in foreign countries than in China,and has developed quite mature at present.With the advent of economic globalization,the individual financing business of commercial banks in our country begins to emerge.With the development of social economy,people's living standards are rising,the beginning of the surplus funds,this part of the idle funds to promote the commercial bank's personal financial services.And with the enhancement of people's financial awareness,the personal financial services of commercial bank are facing more and more demands,which have played a certain role in promoting the development of personal financial management of commercial banks.The individual financing business of commercial banks in our country in the process of development in more than ten years is growing rapidly in scale.In the process of commercial banks development,the business scale increases at a amazing speed,but it also has much scarcity,including personnel quality,product innovation,marketing channel,risk warning and so on.Wealth management products of China is a simple asset integration,imitating other commercial bank's financial management products,or even directly from the "wholesale" abroad.Continuously for a long time,the personal financial business will loss the ability of innovation of our country commercial banks,which the future development of the personal financial management business of commercial banks is very unfavorable.The lack of innovation in financial products will not only make the financial products lose autonomy in our country's commercial banks,but also reduce the level of the quality of providing financial services to customers.Under the background of the Internet financial,four aspects of the problem appear more prominent.This paper is analyzed on the background of the Internet financial innovation of commercial banks in personal finance business of our country,and on the basis of fully understanding of the environment and the existing problems of the commercial banks in personal finance business innovation of our country.And analyzing the present situation and the existing deficiency of our country' commercial bank's individual financing business development.On the Internet at home and abroad for the reference,the financial business under the background of financial success,targets to provide ways and means to improve.The policy suggestion is put forward based onthe problems existing in the current commercial bank's personal financing business on the basis of the work for personnel quality,product innovation,marketing channel,risk suggestion four sorts of problems,corresponding countermeasures and suggestions are given.