Research On The Development Strategies Of The CommercialBank Personal Banking Business In Our Country

Personal banking business just begins to grow in our country . Through the research in this thesis, the importance of developing personal banking business for the commercial banks will be realized,and this will promote the commercial banks to build up their competitive advantages of personal banking business,leading the commercial banks to implement their effective policies of developing personal banking business.In this thesis, by analyzing the current state of personal banking business development of either foreign and domestic commercial banks ,the author indicates the importance of developing personal banking business for the commercial banks in our country with a deep study on this subject. In this thesis, the strategic position and choice of the personal banking business development for the commercial banks in our country has been presented and researched from mainly three parts in name of customers ,products and channels.In this thesis, the author demonstrates the strategic countermeasure for developing personal banking business of the commercial banks in our country.And by referring to foreign experience and the reality of our country, the author carries out some researches and addresses herself mainly to personal liability business, personal assets business,personal intermediary services,personal banking innovations,CRM customer relationship management and personal banking customer manager system.The conclusion of the research is as follows: there is a strategic significance of developing personal banking business for commercial banks in our country,personal banking business will become the most important . strategic pullulating business for commercial banks in our country with a most rapid development potential,and will also be the new profit growing point,speeding up the development of personal banking business is a inevitable choice for the commercial banks.