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1、-AbstractPersonalfinancialmanagementistheprocessthatcommercialbankhelpsitscustomerto
realizehisgoalbyutilizinghisownfinancialresource.Thecommercialbanksanalyzethe
customer’sfinancialdatasuchasincome，expenditure,assets,debt,insurance,cashflow,and
assetsvalue,considervariouskindsoffinanci
2、algoalsofthecustomer'ssynthetically,andcarryon
thetestofcustomer'sriskpartialityandadjustmentofinvestmentcombinationinordertohelpthe
customermakeindividualizedfinancingplan,recommendthefinancialproduct,providefinance
managementreport.Thepersonalfinancingisanewbankbusinessrisingin1980s,i
3、tfirstappeared
inAmerican,thenspreadedabroadinsomedevelopedcountriessuchasEuropeanandAsia
countrieslikeJapan、HongKong,nowithasbecameamainbusinessinfirstclassbanksallover
theworld,andinfluencesthedirectionofthedevelopmentincommercialbankandextensive
operatingstratagem..Alongwithourcountr
4、ynationaleconomy,iscontinuallyfast,healthilydevelops,
inhabitant'sinvestmentwishandtheideaofmodernfinancesmanagementbecomesstrong,the
financialservicedemandalsodaybydaydiversifies,personalfinancingbusinesswillbeakey
pointinthetotaldevelopmentofcommercialbank.Butindividualfinancingbusine
5、ssinthe
westerndevelopedcountrynearlypenetratesintoeachfamily.Personalfinancingbusiness
becomesthewestcommercialbankingdomainconstituent.Underthefinancialinnovationtide
impact,sincethe20thcentury70'sThewestcommercialbank'spersonalfinancemanagement
servicehasobtainthefastdevelopment.Inth
6、epasttwoyear,theAmericanbankingindustry
personallyfinancesmanagementserviceeveryyearaveragerateofprofithasreachedashighas
35%,theannualmeanprofitrateofincreasereachesfrom12%to15%.Manydomestic
commercialbankshaveprovidedthepersonalfinancingbusinessoneafteranothersince
Shenzhen、GuangzhouI
7、ndustrialBankfirstoriginatedin1996,tillnow,almostallcommercial
bankshaveprovidedcorrespondingkindsofthisbusiness,thepersonalfinancingbusinessis
becomingafocusandzenithofcommandinginfinancialfield.Anthebasesoftheretrospectthatisthetrackoftheretailpersonalfinancemanagement,
which
