Research On The Development Of Personal Financial Planning Business Of Commercial Banks Under The New Financial Planning Regulations

After more than ten years of rapid development,personal financial management has become a very important business of commercial banks in China.After people have met the basic needs of food,clothing,housing and transportation,the demand for investment and financial management is increasing day by day,and the scale of financial management business is expanding.In order to standardize the capital management market,strengthen supervision and guide the Capital Management Industry to return to its source,new regulations on capital management came into being.In order to further refine the detailed implementation rules,on September 28,2018,the"measures for the supervision and management of Commercial Banks' financial management business"(the new financial management rules)was officially launched,further details of the financial supervision and management of commercial banks to implement specific rules,so that the new rules are more practical.It not only broadens the investment scope of bank wealth management funds,but also sets a warning line for commercial banks to carry out related capital management business,which is conducive to refining bank financial management regulatory requirements,eliminating market uncertainty,stabilizing market expectations,and speeding up the research and development of new products,we will guide wealth management funds to enter the real economy and financial markets in a lawful and standardized manner,promote uniform standards for the supervision and regulation of similar financial products,better protect the legitimate rights and interests of investors,gradually and in an orderly manner break through rigid payments,and effectively prevent and control financial risks.For China's commercial banks,how to transform and develop personal financial services has become one of the most important issues.In this paper,China Construction Bank Xi'an L Sub-branch as the research object,to study how to develop the personal finance business in the context of new financial planning regulations.This paper summarizes the background and main contents of the new financial planning regulations,and analyzes the current situation and characteristics of the financial planning business of commercial banks in China,as well as the challenges of the new financial planning rules to the current financial planning business of commercial banks;starting from the personal financial planning business status and characteristics of CCB Xi'an I sub-branch,as well as the business changes before and after the promulgation and implementation of the new financial planning rules,it also analyzes its internal and external environment and conducts market research by means of questionnaire survey,through the above-mentioned series of analysis and the investigation results of the clients of 1 sub-branch of CCB,we find out the problems existing in the development of personal financing business of CCB and analyze the possible causes of these problems,and then make every breakthrough,this paper puts forward a series of feasible suggestions from product innovation,helping to change customer's investment concept and improving financial science and technology level and safeguard measures to provide theoretical basis and effective scheme for the development of personal financial planning business in the background of New Financial Planning Regulations in Xi'an Branch of CCB,and it also provides a reference for the transformation and development of personal financing business of commercial banks.