The Study On Development Of Individual Financing Business Of China Commercial Bank

In the financial industry opening up in the context of commercial banks, to win marketopportunities, strengthen the competitive advantage, timely introduced a number of personal financialproducts. After2006, with the global stock market, commodity market" bull market" the market the furtherevolution, the banks have launched with the stock, index, commodity prices and other targets linked tofinancial products. Especially some foreign banks, based on its business integrated, interdisciplinary featureand rich experience in overseas investment and talent advantages, is more personal financial products as themain varieties of financial business. In2007, the domestic bank personal financial products from theproduct quantity, participating institutions, groups of investors and other aspects, there are more rapidgrowth. But on the whole, the personal financial product market development is still not out of infancy.First of all, our country still has not formed a complete personal financial product system, product serviceobject standard single. Secondly, domestic commercial banks in financial products marketing operationindeed exists the shortage of talent, propaganda way of simple and extensive customer classification statusmachine. Once again, the commercial bank internal institutions coordination is not smooth, low efficiency.Finally, the domestic investors’ lack of understanding of financial products. The combination ofCommercial Bank of developed country advanced experience, think our country commercial bankindividual financing business development should be: first, should improve their own product design andmanagement ability, achieve financial products and professional management. Second, increase financialproduct publicity, expanding its own brand awareness. Third, coordination of commercial bank’s internaldepartments, form cooperate each other and efficient personal financing service system. Fourth, improvethe regulatory system, promote the orderly and healthy development of personal financial business. In fifth,the ongoing personal financial business innovation, keeping its vitality in the development of. Sixth, helpthe investors to finance knowledge, establish a healthy investment philosophy.