The Theory And Practice Of Personal Finance Business Development In China's Commercial Banks

Along with our country national economy, is continually fast, healthily develops, inhabitant's investment wish and the modem age manages finances the idea to strengthen, the financial service demand also day by day diversifies, individual financing business a key point which the service development into commercial bank develops. But individual financing business in the western developed country nearly penetrates into each family. Individual financing business the service oneself after to become the west commercial banking domain most important constituent The west commercial bank since the 20th century 70's, in under the financial innovation tide impact, personally has managed finances the service to obtain the fast development. In the past son year, the American banking industry personally managed finances the service every year average rate of profit oneself to reach as high as 35%, the annual mean profit rate of increment reaches 12% one 15%. The question as well as with the overseas commercial bank similar service disparity which this article attempts from angle and so on history, theory and practice, the system analysis our country commercial bank develops individual financing business which the service to face the market environment, in the development process appears, is for the purpose of expounding our country commercial bank the measure and the suggestion which should adopt facing the market opportunity and the challenge. This article is composed by three parts: The first part separately introduced the Chinese and foreign manage finances the thought origin, and has carried on the comparative analysis to the two, had pointed out our country commercial bank develops manages finances the service thought root and the theory basis. Simultaneously introduced in the modern economic society manages finances the service to manage finances the idea and manages finances the theory.The second part introduced individual financing business the service in the economy developing process evolution, and managed finances the service to the Chinese and foreign to carry on the contrast analysis. First analyzed the west personally to manage finances the service three stages development course, pointed out then factor and so on economy, law, system to managed finances the service development vital role; Since next has analyzed China to found a nation manages finances the service development three stages societies and the economical background, pointed out the present our country commercial bank individual financing business the service to have the broad development space; Finally, through develops to the Chinese and foreign commercial bank individual financing business the service contrast analysis, obtained our country commercial bank's insufficiency as well as the overseas commercial bank in develops in this service the advanced procedure, and our country commercial bank's superiority and the inferiority has carried on the analysis to the Chinese and foreign bank competition in.The third part, inspected our country commercial bank to develop individual financing business the service external environment and internal factor analyzes has personally managed finances in the service development to save the question the...