Research On Personal Finance Business About Chinese Commercial Banks

China's commercial banks personal financial business is in the 20th century began in the late 90 developed, to date, an emerging and rapidly growing competitive financial market in China has begun to take shape, personal finance craze is sweeping across China. It not only affects the Chinese financial institutions of assets and liabilities structure and operating performance, as well as the operation efficiency of monetary policy, and deeply affect China's financial culture, and public financial sense, the financial product supply and demand of both financial market of attention and participation has reached an unprecedented height.From the whole point of view, Chinese financial market with the rapid and healthy development of the situation, but, owing to the exterior environment and inner system restriction, make individual financing business development still has some problems.This paper analizes the personal financial management business of international and domestic market, obtained the current domestic commercial banks to development of the personal financial management business problems are mainly embodied in the following several aspects:the first is financing business development external environment especially financial system environment still needed to be improved. The second is the customer relationship management ability needs to be improved, especially in and maintaining customers value-added services to customers side is lacking. The third is financing business model still with product as the center of the closed structure is given priority to, failed to reflect truly "products to customize" concept. The fourth is financing-business-related structure needed to improved. The fifth is carry out financial management business talents pool lack.This article through to these questions, analyzing and combining foreign commercial bank successful experience, pertinence put forward some proposals and measures. Through all the measures, the innovative development of the personal financial management business will be accelerated.