Study On Tactics Of Chinese Civil Commercial Banks’personal Financing Business

With our rapid economic development, social progress and a substantial increase in personal income, it has presenting a focused trend:the attitude of personal wealth, ideas and ways to deal with has taken place with great changes than before, so the personal finance is becoming people’s attention focus. Personal Finance is a systematic project and a combination of individual investors making use of a variety of investment tools in a number of markets. After our accession to the WTO, foreign banks will focus on fighting for the high-quality customers by using their huge financial strength, flexible operational mechanism, and rich management experience. Intensifying market competition forced domestic commercial banks to open up new areas of business and search for new profit growth. Personal Financial Service, with its broaden field, multi-volume, low-risk, personalized, a stable income, and high value-added, has become natural requirement for The Commercial Banks to survive and develop.In such a background, how to seize the high-quality clients, occupy the customers’ market, obtain greater profits, and meet the challenges of accession to the WTO? How to develop our Personal Financial Service and deepen the connotation of financial management? How to provide customers with more personalized service to create unique enterprise culture and improve the core competitiveness of Commercial Banks? These will become an issue to be solved for our banking industry.The paper analyzes the development background base on reading many literatures. Then the paper discusses the current situation of the personal financing business and analyzes the current situation. The analysis before shows that the personal financing business of Chinese bank haves large potential, and analyzes the development situation and problems. Base on comparing the domestic banks and foreign banks, we can know the distance between the domestic bank and foreign bank and the special point of domestic bank. The paper discusses the competitive environment and requirement situation. Base on all of before, the paper formulates the tactics of development of personal financing business and hope to have directive function for Chinese bank.The paper try to read comprehensive literature about the personal financing business, and combine the financial market current situation to formulate effective tactics for Chinese bank.