Research On The Current Situation And Countermeasures Of Personal Finance Business

With the development of economy, our country economy has entered a hitherto unknown sustained high growth period. The life of people has a tremendous change and turn the world upside down. Individual economy, private economy and share-holding system economy develops fastly.The personal income has been distributed in more than one way.Besides, more personal income can be disposed than before. Savings deposit growth, have made the family asset increase greatly.and at the same time, more rich people have spring up In some developed areas, creating high-end rich class. The personal assets of the increase will have asset maintains value and rise in value needs, the people’s demand for diversification on financial products is also growing,while China’s financial investment ideas, knowledge, financial skills generally lack, therefore it requires great investment and support from the banks.Along with the deepening of China’s financial reform, foreign financial industry gradually liberalizing, China’s commercial banks are facing fierce competition of foreign banks. At the same time, as a result of our country market economy system and the establishment of specialized banks to commercial banks of the gradual transition, the original professional of labor between banks has become increasingly blurred, the deepening intersection of business, the traditional banking business development space is increasingly narrow, deposit and loan spread further narrowing, traditional business increases the risk,and yields continue to decline, the domestic banks must constantly seek the non-interest income of the new profit point of growth.Personal financial business with a vast area, volume, small risk, personalized, income stability, higher value-added features, become a commercial bank to survive and development trend. With the background of opportunities and challenges, in-depth analysis of personal financial business development, existing problems and the root of the problem, to contact current commercial bank actual situation proposed operable suggestions for development, improve the core competitiveness of commercial bank, commercial bank financial business management system, and it has a realistic significance on the business management and promote the development fastly. This paper mainly studies the commercial bank personal financing business theory, also analyzes the packet of business bank personal financing business present situation and the problems existing in personal finance, and puts forward some reasonable suggestions.