Analysis About The Path Of Developing Private Financial Planning Service Of Banks In Our Country

With the fast development of the national economy, our inhabitants' personal wealth increases unceasingly, the investment demand is becoming intenser day after day, Private Financial Planning Service has become to an important domain in the field of finance industry gradually; meanwhile, the fast development of the economy has also brought some new problems to the society, one of which is the obvious "fluidity surplus" problem in our national economy. In order to maintain the continual development of the economy, we must do our best to develop the capital market, and adjust the structure of the money market. With the overseas development, strengthening the Private Financial Planning Service of financial organs, such as in the bank, may not only develop the channel of investment and enrich the income of banks, but also have the vital significance to imbibe the part of surplus fund in the capital market, and perfect the system of money market. Therefore, considering the need of our economy, finance and the bank development, taking the Private Financial Planning Service as the strategic development priorities, has become the inevitable choice for the banks in our country.This thesis begins with the research of the rationale of Private Financial Planning Service, through the analysis of the present situation of Private Financial Planning Service in the domestic and foreign banks, pointed out the problems and its reasons in the development of Private Financial Planning Service in the banks of our country, and proposes the solutions. The main body of the article has three parts: the first part summarizes the contents of correlative literatures about Private Financial Planning Service of banks, and has carried on the research and analysis to the background of correlative theories. Through the analysis of development of overseas Private Financial Planning Service; the second part introduces the successful experience of the developed countries; at the same time, on the basis of gathering and coordinating a lot of data, it has analyzed the present situation of Private Financial Planning Service in our country, and pointed out the problems and its outside restrictive factors; the third part takes the above analyses as the basis, and gives solutions from the two sides of internal development and exterior improvement at first. Finally, aiming at this most essential and the weakest link—Product Innovation, it uses the qualitative and quantitative analysis methods, and begins with the market subdivision before the product design, and analyzes the design of multiplex profolios through setting up the model; meantime, it explains how to develope the Private Financial Planning Service in the bank through the design of multiplex profolios by data, and how to provide actual and effective Financial Planning Service for the clients.