The Analysis Of The Development Of Private Financial Management Market In China S Commercial Bank

In recent years, Personal Financial Services of the commercial banks continued to be hot issued and explored by the theoretical and practical circles. The reason is that, in our country, the Personal Financial Services of commercial banks is the rapid development, which is not only the result of a sustained and rapid development of people’s income and financial awareness enhanced raise, but the inevitable choice of the commercial banks in their own development.This paper describes the meanings and theoretical basis of the commercial bank personal finance business, by combing the emergence and development of the personal finance business in developed countries or regions background, summarizes its mature development experience, in a review on the basis of the course of development of the commercial banks in China Personal Financial Services, pointed out that the current development of the commercial banks in China personal Financial Services and the current problems, while predicting the future development path chosen and put forward recommendations on the development of the commercial banks in China personal Financial Services.There are two aspects of the external power of the commercial banks in the development of Personal Financial Services. From a macro point of view, the development of the personal finance business can help to promote the conversion of savings into investment, so as to promote the healthy and stable development of the national economy. From the microscopic point of view, the requirements of personal asset preservation or appreciation and the risk prevention for the personal Financial Services provides a broad market demand. The inherent power of the personal financial business development of the commercial banks to seek new profit growth point, diversified asset structure, broaden the sources of income, increased resilience and ability to guard against financial risks.