The Problem Of Commercial Banks In China Personal Financial Services

The personal financing is a new bank business rising in 1980s,it first appeared in Amercia, then spreaded abroad in some developed conunties such as European and Asia countries like Japan,Hongkong, now it has became a main business in first class banks all over the world, and influences the direction of the development in commercial bank and extensive operating stratagem. Many domestic commercial banks have provided the personal financing business one after another since CITIC Industrial Bank first originated in 1996, till now, almost all commercial banks have provided corresponding kinds of this business, the personal financing business is becoming a focus and commanding elevation in new competition in financial field. But the personal financing business is still a neonatal thing in china, domestic commercial banks and residents are lack of this business's realization and accurate understanding . Although it has developed several years, and this business has taken some advancement, huge obstacle is exsited in intensive development, because this business is not only restricted by the exterior factor such as market and policy, but also restricted by the lack of notion of "the clients are center of all",structure and system and background supporting , especially the lack of a great deal of good making's financing person has badly restricted this business's development . After joined WTO, foreign capital bank is entering into China finace market quickly, the personal fiancing business has become a competitive focus that these banks want to occupy and expand bank business in China. This article researches on a great deal of data and consults the literature, and we try to find out a countermeasure of personal fiancing...