The Analysis Of Factors On Personal Financial Planning Scale Among Commercial Banks

In recent years,China's economy has entered “new normal”.Financial markets have undergone major changes.With the completion of the interest rate market and Internet finance,the profitability of commercial banks is challenged.In the context of the macro economy,commercial banks began to pay attention to the development of financial services.As one of the most important part of the bank's income,the income of the financial business has a great contribution to the total income of the bank,which has a significant effect on the profit.Therefore,paper analyses the factors affecting the size of financial services is necessary.This paper introduces the development of the financial business in our country now.The factors affect the banking business scale in addition to the country's economic background;there are many factors of their own.This paper divides these factors into economic development,income,price fluctuations,income level,sales channels,product conditions,product risk,bank resources and other factors.In the part of empirical analysis,this paper selects 15 listed banks as the empirical research object,and uses panel model to analyze the impact of various factors on the scale of financial services.The empirical results show that macroeconomic development has a significant role in promoting the development of financial services.The prosperity of the development of financial products on the market increases competition in the banking business.We can see that with the increase in the rate of return,the scales of financial services have expanded.In terms of sales channels,the bank line network development brings the rapid expansion of the financial scale.In terms of product design,issued for a period of three to six months of financial products more popular,and financial products that are second level risk have the larger scale.In this paper,through the analysis of the influencing factors to explain the reliability of the current commercial bank financial ranking,we give some suggestion to improve the financial management of commercial banks.