Study Of Commercial Banks Personal Financial Services Development In China

Personal financial services of commercial banks relative to the corporate finance business, primarily in providing services to individuals, families, providing a comprehensive, multifaceted, multi-functional financial products and services.The steady development of the personal financial services of commercial banks conducive to bank customers in structure optimization and upgrading of the banks operating results.This article on the basis of existing literature and theories to sort out, select a few good commercial banks (including two state-owned commercial banks and two joint-stock commercial banks) in the development of personal financial services, through its analysis of the scale of domestic commercial banks personal financial services business, including business structure and species structure and income structure, business receipts; compared on large commercial banks in developed countries, found that Commercial Banks in China personal financial and business development of smaller, relatively homogeneous structure of varieties, the revenue structure is not reasonable, lower personal financial services income gap, while the specific reasons for these gap.Finally, the article in reference to HSBC, Citibank, Bank of America, three large commercial banks outside of the development on the experience of personal financial services, above the proposed strategy for China’s commercial banks on how to develop the personal financial services. To establish a development strategy, improve the structure of the variety of personal financial products, marketing channels, and develop key business. At the same time, This paper analyzes the constraints of China’s external environment for the development of personal financial services of commercial banks.