论文-我国商业银行个人金融业务的现状及发展策略

Chinese commercial banks' personal financial situation and

development strategy

Abstract

In order to smooth the development of the international financial industry trend, China's commercial banks are accelerating the development of personal financial services to meet the challenges from foreign banks.

Nowadays, many of the world's developed countries, been to a long development, customer services theory, service and customer management approach with in-depth study and exploration, it developed a thriving personal financial services, although most of the implementation of foreign banks still have many regulatory loopholes, but after nearly a decade of development ,Chinese commercial banks’ personal financial services is still in the starting stage, but regardless of the quality and content from the product or customer service and business abroad banks still have a considerable gap compared. By contrast, China's commercial bank personal finance business are product innovation, market orientation is not clear enough, human resources and technical reserves lag, lack of credit analysis and risk control issues. By analyzing the development experience of developed countries, drawn from the future development of our country in fact and recommendations.

Therefore, the dual pressure of competition at home and abroad in response to growing customer demand, China's commercial banks urgently need to speed up the personal financial services product innovation, in line with "customer focus" principle, for different types of people of all different design products, to enhance the professional quality of banking staff, improve service levels, and electronic networks to speed up the construction of banks to provide secure high-speed Internet banking services. Improve the services and products in the same time, individuals need to improve existing financial business system and do the integration of bank's internal resources, optimizing the management structure of the work, strengthen the supervision to improve the competitiveness of banks.

KEYWORDS:personal

innovation ,countermeasures

2 financial services,development,product