1、 1 The Development Status and Strategy Research of Commercial BanksPersonal Financial Management Business in China Abstract: 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 comme
2、rcial banks 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 develop
3、ment of personal financial business in our management country Keywords： Commercial banks， Personal financial management， Strategy 1 Introduction The commercial banks are facing the new situation： the increasing danger in traditional business the margin of the interest rates turning increasingly narr
4、owed and foreign banks competition These 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
5、 major way of improving Intermediary business income That 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 banks in china need to review and study to estimate market direction； build excellence brand imag
6、e 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 personal financial management business in our country Meanwhile the commercial banks are facin
7、g the new situation： the increasing danger in traditional business the margin of the interest rates turning increasingly narrowed and foreign banks competition These banks should think deeply to fend why that bus； mess develop so slowly and then put forward a feasible plan Among all the businesses i
8、n commercial banks personal financial management business has the advantages of huge market capacity， low risk， wide 2 range of business， and stable income For those advantages the personal financial management business becomes commercial banksmain business and vital profits source In western develo
9、ped country， this kind of business almost gets into every family Its business income has been account for banks 30 Compared to the developed one in western theres still a long way to go but it has a bright market expectation However， our countrys personal financial management business is limited by
10、some factors， for instance， the financial legal system， financial supervision system and the development of financial market As a result it brings some problems that need to be done while developing rapidly 2 The Development Situation， Trait and Existing Problem of Individual Manage Matters Operatio
11、n in Commercial Bank of China 2.1 The development situation 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 credibil
12、ity and according to clientsfinancial position and investment requirement， provide clients with professional service activities， such as financial analysis financial planning， investment counselor and assets management Recently，as the fast developing economy of china and the accumulating property of
13、 citizens，the need of manage money matters operation becomes stronger and stronger There 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 properties Second， as the pushing on housing，
14、education and medical treatment marketing revolution proceeding， families need the help of financial mechanism service to create a complete risk safeguard mechanism On the other hand， we have already been in aging stage， thus it has become many peoples real need to accumulate part of their pension t
15、hrough manage money matters Under the circumstances individual money matters operation of commercial bank develops quickly But according to individual money matters operation situation of every commercial bank there are still many problems that make it hard to develop individual money matters operation
