An Analysis On The Personal Financial Services And Strategies Of Commercial Banks In China

The personal finance services first appeared in Switzerland, then in the United States and other economically developed countries and regions, having become a main business of the commercial bank all around the world. In China development for personal finance business has become one of the important contents for expanding personal financing service and increasing operating income for Chinese commercial banks. Study personal financial services present situation and development will have positive realistic meaning to the commercial bank to enhancing financial service function, creating management performance.The first part of article begins with the basic concept and the theories of personal finance, letting everyone have an overall understanding to personal finance service. The second part of article introduced the whole development condition of personal financial business for commercial banks in the Western countries, and introduced advanced experiences of personal financial business in Switzerland, the United States, and Hong Kong specially. Get conclusion western commercial bank pay attention to the high level customer's market, pay attention to diversified product combination, pay attention to customer relationship etc. The third part of article introduced the personal financial business situation and Characteristics of domestic commercial banks and foreign capital commercial banks in China. let the reader have a overall understanding to the present condition and the competition situation of personal finance business. The fourth part of article Analyze the problem of personal financial business from the national policy level, the market environment level, and the commercial bank level, getting the conclusion that the personal financial business in our country has just begun, still has a lot of not perfect places in the policy, market and the bank service. The fifth part of article through the above analysis and expatiation, the author get conclusion to develop personal finance business for domestic commercial banks to take customer as center, take market as direction, innovation management mechanism, strengthen customer relationship, enlargement personal finance product innovation, strengthen personal finance technology platform construction etc. Finally, the article concluded on the basis of analysis, and carry on an outlook of personal finance business, in the future.