China’s Commercial Banks Personal Financial Business Development Search

From the beginning of1996, personal finance business has become a new product of domestic commercial banks, in recent years become more prosperous, financial products are increasingly rich, personal customer financing capital scale is also growing, has become the focus of competition among commercial banks. In2013the bank financial product issuers scale year-on-year growth of38.41%, a new record high. As the new profit growth point, to improve the structure of bank assets of personal financial business of commercial banks, improving the asset quality of commercial banks, commercial banks increased operating efficiency, has an important role in promoting the development of banking business. At present, with China’s rapid economic growth constantly, people’s income is growing, people’s financial awareness is growing, it has put forward higher requirements for the personal financial business of commercial banks. In addition, foreign banks have to strengthen the personal financial management division team construction, actively seize the market share, has great influence on the development of financial market, the disorderly competition to the commercial banks has brought new risks, in this process, China financial market is from the malignant competition among banks to the benign development of normative and orderly continuously transition, facing the fierce competition, strict supervision of the situation, the development of commercial bank timely understanding of trade finance business of the bank, comprehensive grasp of business initiatives and trends of the competitors, will be commercial banks holding business competitive advantage, the key factors of market opportunities. Analysis of the current situation of personal financing business of Commercial Bank of our country through this paper, starting from the financial business and its own development angle, carry out research and investigation on the problems of personal financial business of Commercial Bank of our country in the process of development and influence on the development and risk, how to solve the problem of personal financing business in China commercial banks, commercial banks to improve the financial management level, transformation of commercial bank financial marketing concept, it is of great significance in promoting the standardization development of personal financial business of commercial banks.