Financial Management For People:the Essence Of The Commercial Banks With Chinese Characteristics

This article is based on Socialistic China, it describes the essence of the commercial Banks with Chinese characteristics, the common features and the special essence of the commercial bank business with Chinese characteristics. Based on the theories related to the Personal Financial Services to the commercial banks in our country, the author makes a new definition to the connotation of it, and points out the significant meaning of the development of Personal Financial Services to the commercial banks, expounds all the existing state of personal financial business to the commercial banks in our country and reveals many problems in the process of its development. Meanwhile, this paper does an in-depth analysis on the characteristics and development experience of Personal Financial Services of some developed countries and regions’banks. Through the comparison of domestic and foreign. the author raised development strategies for the personal business to the commercial banks and then makes an actual analysis of the China Minsheng Bank to the related content of Personal Financial Services.Introduction In combination with the reality of our country, briefly describes the topic’s background and significance of this paper. And then, analyses the theoretical background of this article. Finally, indicates its innovation, difficult points and shortcoming.Part1Based on the relationship between the phenomenon and essence of the basic category of Marxist philosophy, only seeing through the appearance to perceive the essence, it can grasp the true profound connotation of things. Firstly, this part describes the essence of the commercial Banks with Chinese characteristics. the common features and the special essence of the commercial bank business with Chinese characteristics——"Financial Management For People". Secondly, the part respectively analysis of the necessity of the commercial bank to develop personal financing business from the view of the resident individuals. commercial Banks and the harmonious society. From the perspective of residents. points out the people’s living standard. which have had a very big enhancement. and the income also have a substantial improvement, so residents will pay more attention to the financial investment, at present. the commercial bank need to develop a new personal financial business to guide the residents make financial investment, and from the perspective of commercial bank, in the intense competition among the market economy, in order to absorb more new customers, while maintaining a fixed relationship with the old customers, increase their profits, commercial Banks also need to explore new business model and develop personal financial business. Thirdly, defines the connotation of the commercial bank personal financial business and analyzes the development course of the commercial bank individual financial business. And finally, according to Marx’s historical materialism, this part sets forth the development course of the commercial bank individual financial business and points out that China’s Personal Financial Services are still in embryonic and development stage.Part2The second part contrasts and analyzes the current situation and features in terms of personal finance business among Citibank, Deutsche Bank, Banks in Hong Kong and Chinese Commercial Banks,and then, summarizes the typical experience of Banks, sums up the general rule of development of commercial bank individual financial business, in order to provide guidance and use for reference to our country commercial bank individual financing business.Part3The third part reveals the current problems of our country commercial bank individual financing business development, including "Financial Management For People" consciousness is not strong、lack of product innovation、lack of personalized service、serious lack of financial management personnel with high quality、risk control is not in place and so on, after that, analyzes them from the external and internal, it emphasizes that our country is a socialist country, the people are masters of the country, all the business of Chinese commercial Banks should make the people’s interests as the starting point.Part4According basic principles of Marxism, we should seek truth from the facts and make concrete analysis to concrete problems. This section discusses the strategy of commercial bank personal financing business development from the reality of our country, and consider that only do something form the customer is supreme, to improve product design and development, perfect customer service system, improve risk awareness, innovation mode of operation, we could have a development of our country commercial bank personal financing business.Part5Combine the theory with practice is an essence of Marx doctrine. The part points out an empirical analysis of personal financial business case of Minsheng Bank. The bank has achieved some success in product design, customer services and technical support. But there are also some problems to be resolved. This case study is a practical application for the development theory of our country commercial bank individual financing business.