| In the context of the financial globalization and the Chinese transformation of economic development, national income and personal wealth accumulation have undergone enormous changes. The development of personal financial assets shows a trend of diversification. The competition between banks becomes increasingly fierce. In order to keep pace with the market, all the commercial banks try to strengthen their core competitiveness and accelerate the pace of business transformation. Developing the personal financial business has become a general trend, which is impelled by circumstances. This thesis starts with the conception of personal financial business, and then formulates the the background, purpose and significance of the research. From the perspectives of objective trend of economic and social development and the subjective demand of bank’s own development, it points out emphatically that Baoshang Bank makes great efforts to develop personal financial business, and that groping scientific and explicit strategy for business development is the inevitable choice of coordinating the advancement of the international financial sector, adapting to market competition, as well as increasing the whole bank’s core competitiveness.On the basis of the current references and theories, the thesis chooses four banks which have a relatively rapid development from domestic and foreign interbank, then examines, conclude, and learn from their current personal financial development and strategic measures. It refers to SWOT, analyzes their macro-environment, industry environment, resource conditions, competency criteria, opportunity and threats, advantages and disadvantages, and then puts forward the development strategy and its specific implementation measures of the differentiation of personal financial business in Baoshang Bank, which provides meaningful reference for the realization of fully integrated financial service integrators of personal financial business in Baoshang Bank. |
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