Research On Personal Finance In Hong Kong

As social economic constantly grow thing and people getting higher and higher, personal financial planning is the most popular topic nowadays. However, in this moment personal financial planning still at the weak stage, and develop personal financial planning is the major tendency in the future, it has a large potential to increase and improve effectively. Hong Kong is an international financial center; there are many financial product and tools in the marker. Therefore, this is the one of significant topic to study.Firstly, This paper describes the concept and connotation of the personal financing, and analyses it by lifecycle of finance innovation, investment portfolio, bank marketing, etc. Then it brings forward the main problems of the Hong Kong personal financing, through anglicizing it's actualities, including the business characteristic, working connotation and rising reason.Finally, we summarize the situations and problems above-mentioned, and illuminates the importance of developing personal financing service for financial institution, and tables some proposals for expanding personal financing.