Research On The Development Of Bank 's Personal Finance Business

With the development of economy, the personal wealth of local residents has accumulated quickly in our country, from less to more. At the same time, the rapid development of financial market in China, the financial investment tools present the trend of diversification and complication. Residents’ financial concept gradually enhanced, so the demand for financial services is also increasingly diversified and complicated. Commercial Banks in China is at a small profit era, urgently needs to build its core competence. Therefore, personal finance business becomes the hot topic of the commercial bank business development.Personal finance business not only meets the market demand, but also expands the bank’s business scope. It helps adjust the structure of customer structure, management structure and transform business risks. In the face of the fierce competition of foreign capital bank, the domestic commercial bank rolls out various personal finance service and exclusive brands, so as to realize the deep personalized customer financial services. Based on the SWOT analysis of A Bank, adopting the method of combining theory with instance, using the life cycle theory, behavioral finance theory and portfolio theory, the paper research and analysis of the classification of personal financial management business, through using the experience of developed countries and regions of personal finance business, design a set of suitable individual financing business development strategy for A bank.