Research On The Development Of Personal Financial Business Of Mianyang City Commercial Bank

With China’s sustained and steady economic development, the income of residents increased continuously, people also to the rapid growth of personal financing product demand, in the face of personal financial businessdevelopment potential and space is huge, the banks have also launched a variety of financial planning, eye to attract customers. In 2013 alone, the number of financial national banks total reached 44983, representing a 38.81% growth in2012. Review the situation for nearly five years, should be also hit a record high.With the "balance of Bao", "money Fu Tong" and other emerging network of the personal financial management business rapidly, and the development of the private bank, traditional bank faced personal financial business competition more and more pressure. How to talent showing itself in such a competitive environment, the personal financial product to make its own characteristics,therefore, how to strengthen the financial institutions financial productdevelopment and innovation ability, personal financial management productsbigger and stronger, so that it can occupy a space for one person in today’sfiercely competitive financial market, is an urgent need to study topic.This paper follows the idea from theory to practice, first described in this paper introduces the background, significance, content and research methods; then introduce the relevant theoretical knowledge of personal financial services, including financial services concept, types and characteristics; s Third part discusses the current situation of the development of personal financial services, problems and development trends;the last part of the paper focuses on the status quo of Mianyang City Commercial Bank finance personal finance spy development, propose appropriate measures for improvement.Because I would work in Mianyang City Commercial Bank, you can use it to work, the relevant information on the Bank’s comprehensive personal financial services, therefore, the main research method of this paper is to survey research, theextensive collection of relevant market information and industry data and information,and the collected data and the views, after finishing, induction and statistical analysis revealed regularity, which made helpful suggestions for personal financial services in Mianyang City Commercial Bank. Secondly, also uses comparative analysis and literature induction.This paper is mainly aimed at the current situation of the development ofpersonal financial business of commercial banks in China at present, combined with relevant theoretical knowledge of financial services and products, personal financial business of Mianyang City Commercial Bank carry out investigation and analysis,and puts forward the development of specific recommendations foreffective development of Mianyang City Commercial Bank financial business.