Research On The Investment Strategy Of Personal Financial Services In China's Commercial Banks

With the developmeng of economic rapidly, the standards of people's life have improved generally. The growing material weath, people's outlook of investment have become more intense. In order to meet people's individual needs of investment, the major banks have made a series of measures. Personal finance business as one of the newly arisen intermediary business with low risk, low cost, and high income present the trend of quick development. It can not only increase the intermediary business income of the bank, arouse the whole of bank personal business to develop, but also can bring the flood of a fund of both domestic and foreign currencies deposits to the bank. Personal financial market contains great business opportunities, having become the competition focus of the domestic and international banking industry.With such questions,the author begin to study and analyze the personal financial services and paper writing.This article is broadly divided into five parts:the first part is an introduction, it is mainly explain the background of research,significance,status,research method and innovation;the second part is theory introduction,it mainly outlines the definition of personal financial services,classification,modern portfolio theory,behavioral finance theory and the development of financial business situation and major problems;the third part comparative and analysis the investment feature of steady investment tools and value-added investment tools;the fourth part is a portfolio analysis about personal financial business in commercial bank,it focuses on how to determine a reasonable investment plan and design the optimal portfolio;the last is a summary of the full text.In view of the above, in this paper , based on the modern portfolio theory and behavioral finance theory, analyzing the annual rate of return of investmeng tools and investment risk, the author collect a lot of data, and use LINGO software to calculate the optimal asset allocation at different levels of expected rate of return.