Research On The Problems And Countermeasures Of Personal Financial Business Of Commercial Banks In Heilongjiang Province

With the rapid development of our economy, the income level of residents tofurther improve, people are no longer satisfied with the traditional way ofsavings to increase wealth, personal financial products of commercial banks hasbecome one of the important means of residential investment. The citycommercial banks, personal financial business is a new business, is a tailor-madefinancial solutions, meet customers different financial needs, enabling customersto achieve the financial freedom, autonomy, freedom. Compared with thedomestic large state-owned banks and joint-stock banks, personal financialbusiness of commercial banks in Heilongjiang province is still in the initial stage,a series of problems still exist in the development, mainly reflected in thefinancial business positioning is fuzzy, asset management ability is not high,product homogenization serious and risk management technology system is notmature. Under the jurisdiction of firm financing business city in the rapiddevelopment, risk control remains to be strengthened.This paper firstly describes the personal financial business development athome and abroad and personal finance related theory, mainly has the life cycletheory, portfolio theory, financial innovation theory and asset liabilitymanagement theory, these theories are the foundation of commercial bankfinancing business development.Secondly, through the analysis of present situation of the development ofpersonal financial business within the jurisdiction of the firm in HeilongjiangProvince, expounds the main problems existing in financial services. From theHeilongjiang provincial city firm, the degree of specialization of employees isnot high, the product is too single, for investors to review form, development offinancial product information disclosure is not sound and the other problemshindering the city commercial bank financial business. At the same time, underthe jurisdiction of firm financing business city is also faced with the system risk,inflation risk, legal risk and operational risk, information disclosure. The mainreason is the change of city commercial banks are influenced by internaldevelopment and external regulatory policy. Finally, based on the analysis of its basic problems and reasons of firmfinancing business city, put forward to improve the personal financialmanagement business management countermeasures to external supervision. Inthe internal management to improve the risk control system, standardize thecustomer evaluation and information disclosure mechanism, improve the level ofrisk prevention and vigorously cultivating financial personnel; in the externalsupervision, to establish perfect risk control mechanism, strengthen financialmanagement team building, the establishment of government supervision indexsystem, the implementation of classification regulation, supervision departmentsshould formulate the perfect laws and regulations, strengthen the investors on thesupervision of personal financial services and strengthen the financial businessinnovation and to carry out pilot work, promote the commercial banks to financeits sustained and healthy development.