Study On Personal Financing Improvement Of D Bank

With the rapid development of economy, people's living standards have been improved and upgraded, people's demand for investment banking have also increased, which effectively prompted the personal financial business in Commercial Bank of China, which have an explosive growth. Nowadays, the types of financial products are becoming more and more complex and diverse, and the number of customers is increasing year by year. As the proportion of the income of personal financial services and interest in the commercial bank's middle income increased year by year, personal financial business can consolidate and expand the number of customers, the competition between commercial banks become increasingly fierce. At the present stage, the commercial banks have taken measures to seize the personal financial business. However, under the rapid development of the marketing of the products.The problems in the financial operations of the banks are gradually exposed, which undoubtedly adds greater risk to the development of personal financial services, hitting the confidence of investors.In this paper, in the first part, we introduce the concept of the basic theory of the business of personal financial management in commercial banks and the basic theory of personal finance business. Then this paper gives a detailed description of the D bank and in the personal financial business and development basic situation, analyzing the current financial business development faced by the interest rate market, competitors to join in and challenges brought by the Internet banking, by which locates development strategy of D bank individual financing business again. On the basis of theoretical analysis and D bank development status, this paper has a further analysis to D bank individual financing business development problems, and proposes the corresponding improvement program, hoping to provide reference and guiding significance for D bank individual financing business development.This paper mainly adopts the structure of the research background and significance, the basic theory analysis, putting forward the problem and improve the program. Firstly, this paper introduces the development of personal financing business from the concept of personal financial services, classification, basic theory and other aspects, then we referred to a large number of related personal financial business development related books and literature to summarize the knowledge of the master as the theoretical basis of this study. Combined with practical situation of development of operation of D bank personal financing business,establishing personal finance business competitiveness model, analyzing the problems in Dbank business development process separately from the front-end and back-end, Finally, we propose rationalization proposals from the channel construction, product design and development, manpower cost control, business process management and risk management,we hope it can play a positive role in promoting the development of D bank individual financing business.