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1、The Development Status and Strategy Research of Commercial BanksPersonal Financial Management Business in ChinaAbstract: The personal financial management business in our country is in the initial stage，compared to the developed one in western，theres still a long way to go，Therefore，the commercial b
2、anks in china need to review and study to estimate market direction；build excellence brand image and special services；Increase of innovation；change the products from single to comprehensive；Establish and perfect financial management businessmanagement system in order to promote the development of pe
3、rsonal financial business in our management countryKeywords：Commercial banks，Personal financial management，Strategy1 Introduction The commercial banks are facing the new situation：the increasing danger in traditional businessthe margin of the interest rates turning increasingly narrowed and foreign
4、banks competitionThese banks should think deeply to find why that business develop so slowly and then put forward a feasible plan The personal financial management business is not only an important carrier for commercial banks to advance Comprehensive management strategy but also a major way of impr
5、oving Intermediary business incomeThat business in our country is in the initial stagecompared to the developed one in western，theres still a long way to goThereforethe commercial banks in china need to review and study to estimate market direction；build excellence brand image and special services；I
6、ncrease of innovation； change the products from single to comprehensive；Establish and perfect financial management businessmanagement system in order to promote the development of personal financial management business in our countryMeanwhilethe commercial banks are facing the new situation：the incr
7、easing danger in traditional businessthe margin of the interest rates turning increasingly narrowed and foreign banks competitionThese banks should think deeply to fend why that bus；mess develop so slowly and then put forward a feasible plan Among all the businesses in commercial bankspersonal finan
8、cial management business has the advantages of huge market capacity，low risk，wide range of business，and stable incomeFor those advantages the personal financial management business becomes commercial banksmain business and vital profits sourceIn western developed country，this kind of business almost
9、 gets into every familyIts business income has been account for banks 30Compared to the developed one in westerntheres still a long way to go but it has a bright market expectationHowever，our countrys personal financial management business is limited by some factors，for instance，the financial legal
10、system，financial supervision system and the development of financial marketAs a resultit brings some problems that need to be done while developing rapidly2 The Development Situation，Trait and Existing Problem of Individual Manage Matters Operation in Commercial Bank of China2.1 The development situ
11、ation of individual money matters operation in commercial bank of China Manage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledge，professional technique and wide fund credibility and according to clientsfinancial position and inve
12、stment requirement，provide clients with professional service activities，such as financial analysisfinancial planning，investment counselor and assets managementRecently，as the fast developing economy of china and the accumulating property of citizens，the need of manage money matters operation becomes
13、 stronger and strongerThere are several reasons：first of all， when peoples properties accumulate to some degree，they concern more about how to effectively keep and increase the value of their propertiesSecond，as the pushing on housing，education and medical treatment marketing revolution proceeding，f
14、amilies need the help of financial mechanism service to create a complete risk safeguard mechanismOn the other hand，we have already been in aging stage，thus it has become many peoples real need to accumulate part of their pension through manage money mattersUnder the circumstancesindividual money ma
15、tters operation of commercial bank develops quicklyBut according to individual money matters operation situation of every commercial bankthere are still many problems that make it hard to develop individual money matters operation2.2 The trait of individual money matters operation in commercial bank
16、 of ChinaAs the individual money matters operation of commercial bank has just started，financial mechanism and laws and regulations systems are special，so compared to western developed countries，we have our own traitsFiduciary loan product becomes the 1eader of manage money matters market Recently，invest people pay more attention to the risk situation of product when they choose manage money matters produ
