Research On The Development Of Personal Financial Services Of SZ Bank

In recent years,the personal financial services of commercial banks have been developing rapidly.With the globalization,networking and financial liberalization,personal finance business has become a new field with great potential,which is widely recognized by the international banking industry.With the acceleration of transformation of domestic economic structure,the development of capital market,the diversification of investment channels,and the rapid growth of personal wealth,personal finance business which has brought lucrative returns to commercial banks has gradually become a new profit growth point and a transition point of commercial banks in our country.In view of this,this article takes Bank of SZ as the research object.Firstly elaborates the research method and idea of this paper,then discusses relevant theories of personal finance.And then on this basis takes personal finance business of SZ Bank as the example,analyzes both of the internal and external environments of the development of personal finance in SZ Bank at present.This article includes the development trends of personal financing business in domestic commercial banks and the main content of personal financing business in domestic commercial banks.Then we move on to discuss the existing problems in the development of personal finance service in SZ Bank,and the cause of the problems.The last,as a summary,based on the research to personal finance industry of the SZ bank,the thesis brings out the suggestions for developing personal financing business in domestic commercial banks.