China's Commercial Banks, Personal Finance Strategy Research

With the stable development of economy in China, both the resident's income and the demand of personal financial business have increased, which means thatcommercial banks Personal Financial Services has a great potential for development and space. From the beginning of the end of all domestic commercial banks in Personal Financial Services and has achieved some success, but the development of Personal Financial Services failed to keep pace with market demand still far from the pace. From the end of 2006 so far, China's financial market to foreign investors has been completely open more than a year, foreign banks have been gradually entering the China market, competition is very fierce, how to learn from advanced international banks to develop their individual financial business experience, combined with China's actual situation, to find China's commercial banks for the development of personal financial management and business development model, personal financial management business bigger, stronger, is an urgent need to study the subject.In this paper, commercial banks personal financial business development status, analysis of China's commercial banks in the personal finance on a number of issues and on how to resolve the issue of the corresponding countermeasures. In this paper, combining theory and case-study method to study China's commercial banks personal financial business development strategy.First of all the main papers from the start with an overview of personal finance, introduced the concept of Personal Financial Services, types, characteristics and personal financial management and business-related theories, and foreign commercial banks on the development of personal financial situation and characteristics; then analyzed the individual commercial banks in China Financial Services need for the development of both Chinese and foreign environmental and personal finance comparison. Then proceeded to in-depth analysis of impact of China's commercial banking business of personal financial constraints and the existing problems the Agricultural Bank of Financial Services as an example again, their specific analysis, the last light of the above analysis concluded that China's commercial banks should give full Use their own advantages, seize the opportunity to the external environment, Yangchangbiduan, vigorously develop the Personal Financial Services, the specific development strategies include: marketing strategy, Investment strategy, risk management strategy. Through the implementation of the above strategy for personal financial business in a competitive advantage.