Research On The Development Of Personal Financial Services Of Commercial Banks In China

The personal financial services appeared in Switzerland first, late had got the rapid promotion in economically advanced countries and regions such as American, Europe and Japan, Hong Kong of Asia .It has now become the world all major banks in one of the major business and began to affect commercial bank in the future of business development direction and long-term business strategy. Along with our country national economy, fast, healthily develops continually, resident's wealth level enhances, the investment wish and the modern managing finances idea strengthens, the financial service demand also day by day diversifies, individual managing finances demand is day by day exuberant. The commercial bank develops personal financial services not only to be possible to attract the high quality customer, expands the market share, but may also increase the profit. At the same time, accession to the WTO, foreign banks are stepping up efforts to enter China's financial market, personal financial management operations of foreign banks has become China's financial markets to seize the new focus of competition. The Foreign bank develops individual managing finances service the time comparison to be long, moreover develops is also mature, but my personal financial business is still in the initial stage, compared with developed countries and there are still many gaps. At the same time, our country commercial bank in develops individual managing finances service in the process also to face many barriers and the question. So launch the personal financial services in a more cost-effective manner, create the new point of growth of profit of bank, narrow the disparity with the western commercial banks of developed country to the greatest extent, have already become the urgent task that the commercial bank of our country have faced with.This article first obtains from the Commercial bank individual managing finances service's concept limits and the rationale, through carries on the contrastive analysis to the domestic and foreign commercial bank individual managing finances trade development condition, discovers the gap between the two, the chief obstacle which promulgated in our country commercial bank individual managing finances trade development process to have had the subject matter which and faces, in profited from the developed country commercial bank to develop in individual managing finances service advanced experience foundation, unified our country's actual situation, proposed our country commercial bank personal financial services development countermeasure.To the commercial bank individual managing finances service's research, you may from the financial product angle, emphatically in the investment technology analysis and the investment risk income measure; You may also from the market demand perspective, with a focus on the impact of financial services demand factor analysis; You can also from the regulator's point of view, to consider how to focus on standardizing the development of personal financial services; You can also from the product supplies main body commercial bank's angle, focusing on commercial banks to consider how best to market to meet consumer demand for exhibits. This article is precisely conducts the research from the commercial bank stratification plane to our country commercial bank individual managing finances service.This thesis is divided into six following parts: Part one is a foreword. It mainly explains the article the research background and the significance, the research method, the research content and the bare bone. Part two is a summary of the personal financial services. It introduced the meaning of the personal financial services and main type, and it analyzes necessity of our country commercial banks to develop individual managing finances service from two aspects which the demand of the resident and the commercial banks. Part three shows the theoretical basis of the personal financial services .It mainly includes the life cycle theory, the investment portfolio theory, the market segmentation and the market localization theory, the relational marketing theory. The fourth part is the domestic and foreign commercial banks individual managing finances trade development outline. It has analyzed the development condition and the characteristic of the personal financial services of domestic and foreign commercial banks, and through domestic and international Bank Personal banking business of the development of comparative analysis, to identify the Republic of China and overseas bank in their personal financial business there. The chief obstacle which the paper fifth part mainly analyzes in our country commercial bank individual managing finances trade development process to have had the subject matter which and faces. The sixth part proposed our country commercial bank personal financial services development countermeasure from both the macroscopic and the microscopic aspects.