Research On Business Of Personal Finance In Commercial Banks Of China

These papers starts with the personal financial services situation of Chinese banks, then takes an overview of banks in the developed countries and regions in personal financial services, and find the current problems of Chinese banks in personal financial services. Compared with the commercial banks of foreign countries, the author finds their constraints.Through analysis, we get the final proposed solutions of how our commercial banks to explore our personal financial business. As compared with the commercial banks of foreign countries,Our commercial banks have two constraints in the personal financial services. Firstly, current macroeconomic environment constrains their development. As we all know, our country is divided operation now, this makes banks own limited scope of business. Secondly; the personal financial services of inland commercial banks have many defects themselves no matter in business management or marketing, product innovation and popularizing etc. How to use the experiences of banks in foreign countries for reference to constitute suitable development strategies of personal financial services is a research subject that the commercial banks should pay close attention to at present. This paper focuses on the latter, because commercial banks can not change the former with its own capacity only. Based on the defects, the author brings forward the corresponding recommendations and advice.