Research Report Of The Personal Financial Management Business Of Bank Of C

In recent years, China’s economy has maintained steady and rapid growth, and the residents’ income level has been continuously improving. As the amount of wealth promotes quickly, people gradually formed the concept of financial management, and hope that through professional institutions to meet their financial needs. So commercial banks attach importance to the development of personal finance business. This business helps broaden the source of the profits of commercial banks.But due to China’s financial system is not perfect, the level of financial market development is low, and Financial managers comprehensive quality is not high, personal financial business development has lagged behind. The phenomenon is especially obvious among small and medium-sized commercial banks. In this background, the research of the personal financing business among domestic small and medium-sized commercial banks has great significance. This paper studies the personal financial services of Bank of C, analyzes the current situation of the development, finds out the problems and then aiming at the shortcomings of the above, puts forward a series of management strategies and measures. the measures apply to other small and medium-sized commercial Banks to a certain extent. These measures to some extent are applicable to other small and medium sized commercial banks.The thesis consists of five sections, in accordance with the content, divide it into four parts. The first part includes the introduction and the first chapter, mainly elaborates the research background, the significance of the research related and the innovation point of the paper. At the same time, the research background and the research methods of this article are introduced. The second part is the second chapter. Based on a thorough investigation of the personal financial management business of the Bank of C, make an analysis of the development status, the affirmation of the related achievements, and point out that many problems still exist in the process of development. These problems are revealed. The article also analyzes the reasons for these problems. The third part is the third chapter, the main content is to use the SWOT method to analyze the personal finance business in the Bank of C. The analysis is to find out its own advantages and disadvantages, opportunities and threats, and its external environment and internal resources with its business development strategy, and lay a foundation for later Suggestions putting forward. The fourth part is the fourth chapter and the fifth chapter of the article. At first the comparison and analysis of the development of the personal financial management business in commercial banks at home and abroad are described, and draw the corresponding enlightenment for the development of our country. Then the main part is based on the results of the SWOT analysis.In this part, this article puts forward Suggestions to promote the development of its business. This article develops strategies consistent with the reality of the situation for the individual financing business in Bank of C, and points out the right direction for other small and medium-sized commercial Banks to develop personal finance services.