The Research Of Personal Financial Service In Commercial Bank Of Our Country

With the development of the modern economy market, the growingaccumulation of personal wealth and their financial needs become more diversified,personal financial services become a new areas of innovation of banking services;with advanced technology and broad network coverage, personal financial services ofcommercial banks showing a personalized, integrated and branded trend. Based on theimportance of personal financial services, through increased service innovation andcontinuously improved personal financial service system, China's commercial banksare providing customers with better quality financial services. But because of thelacking of maturity in China's financial market, the imperfect financial legal system,too many problems in commercial banks'financial management system, thedevelopment of the Chinese personal financial services is still in an early stage, whichis both opportunities and challenge. This requires the Bank to address issues andincrease innovation, continue to meet customers'financial services demand, thearticle referring to foreign commercial banks in the development of personal financialservices, based on lessons learned, proposed focusing on quality customer, serviceinnovation, improve the financial management team and a number of strategies andmeasures.In this article, the chapter one is reviews the meanings of developmentbackground and research signification of the business of management of personalfinance, explain the research methods and routes of the article. The second chaptermakes an analysis of the concept of the commercial bank's personal financemanagement business and introduce the basic theoretical of personal financemanagement business. The third chapter expatiate the current situation of business ofmanagement of personal finance in commercial bank and the insufficiency. The firthchapter makes a detailed analysis of the countermeasure to the development ofmanagement of personal finance business. The fifth is the conclusion of the article andthe outlook.The innovation of this article lies in: first, this article based on the research offorefathers, from the comparison of international to domestic, from the problems tocountermeasures, makes a detailed and system discussion on the personal financebusiness from theoretical to practice. Second, this article make an innovation of introducing of the Chinese traditional culture influences when expound the blocks inthe commercial bank's development in of personal finance business. Point out thereason for slow development of personal financial services of domestic banks is due tothe influence of the old concept "savings is the only safe way for the extra money".Thirdly, according to the situation in China, made public education, design special riskappetite of financial products, these are undoubtedly a driving force to broad thebank's personal financial services.