Research On Personal Financing Business Development In Bank Of Jiangsu

Bank personal financing business from Switzerland, the United States, European countries and in Japan in Asia, Hongkong and other economically developed countries and regions, rapid promotion, has now become the world each big bank one of the main business of the. From nineteen ninties, China Development Bank personal financing business. With the trend of international cooperation in the development of the financial market and strengthen, inter-bank competition is intense with each passing day. At present, in order to cultivate, develop and consolidate the commercial bank's target customers, enhance the bank's survival and competitiveness, commercial banks have gradually changed the traditional business philosophy, continue to offer a personal financial services, the establishment of various types of financial management center, studio, launched a wide variety of all kinds of financial products, and vigorously develop intermediary business, especially the personal financial management business of this profit point of contention. However, in the current domestic commercial banks to provide a variety of financial products and services, to a certain extent can describe its management level is not high still, financial product homogeneity phenomenon is relatively apparent, market fractionize is insufficient, lack of product and accurate positioning, professional financial management division team gap is larger, in addition, the lack of information technology support, marketing channel not free, financing market regulation has many shortcomings and so on.This paper study mainly used a combination of theory and practice, combination of normative analysis and case study, the domestic study and international comparison of the combination, static analysis and dynamic analysis combining the basic method, at the same time, complemented by comparative analysis, literature analysis method and other related methods for specific issues specific analysis and research. In the course of the study at home and abroad to collect the relevant literature theory and related information, through a variety of database access to relevant aspects of the latest data, the use of comparative analysis of domestic and foreign commercial bank personal financing business the difference of existence, and the Bank of Jiangsu as an example, analysis of the current domestic commercial banks present situation and the existence question, finally summarized the application method, from the financial product, the market demand, regulators and consumer demand point of view, put forward our country commercial bank developing personal financing business should adopt related suggestions.