Devlopment Bank Of China Personal Financial Bissiness

In the increasingly fierce competition in the banking industry currently, bank of China faces very serious challenge:high quality customer resources is limited; Spreads rapidly shrinking; Traditional business profit constantly narrowing; Increasing capital constraints. And also gradually put one work center of gravity shifted to large retail business, personal finance business has become a new profit growth point. But in the process of development there are a lot of problems, some is the objective system, such as the imperfect financial market development, form a complete set of system is not perfect; Some are within Banks, imperfect internal management, information system is relatively backward, financing business less competitive. To solve these problems needs to be constantly on all aspects of the innovation, can survive in the fierce market competition, and constantly grow. As in bank of China, the first line workers, deeply aware of the importance and urgency of development of personal financial business. Through access to relevant data and on-the-spot investigation, around the bank of China how to develop personal financing business the main body, has carried on the theory and practice, history and present situation of micro and macro, system and technology, reality and future etc.This article first introduced personal financial business in the current situation, including the necessity of the development and prospects and difficulties, and at the same time, analyzing related financial theories such as life cycle theory, the modern portfolio investment theory and behavior finance theory. In order to show how to apply finance theory to practice, set up a case, embodies the life cycle theory and the application of portfolio theory. Second analysis the Chinese bank financing business development present situation, overall development needs, and the trade gap is obvious, but there is a very prominent advantages, such as foreign exchange is the oldest bank, customer base is better, the relatively large size, policy support. Also has a lot of insufficient place. How will last to develop personal financial business as the focus of this article. From financial products, financial services, marketing channels and the several aspects to elaborates the internal management system. In short, the bank of China personal financial business situation is not optimistic prospect is good, however, must take the customer as the core, financial products, financial services and even the innovation in aspects of operation and management system, can guarantee an impregnable position in the increasingly fierce market competition.