| h the rapid and stable economic increase of China, | | | | financial business risks, strengthen the supervision |
| the income of the urban and rural residents is | | | | of the personal financial business and create a |
| continuously growing. On one hand, the growing | | | | suitable development model for the personal |
| residents' wealth and the reform of the social | | | | financial business of our domestic commercial |
| security system will certainly result in the increase | | | | banks. |
| of their personal finance awareness and demands. | | | | From the perspective of the demands of |
| On the other hand, the personal financial services | | | | Commercial Bank Personal-Financial Services, a |
| of commercial banks have developed more than | | | | field research of the residents' personal finance in |
| ten years in our nation, but it hasn't been several | | | | Zhenjiang city is implemented in the form of |
| years before it was really paid attention by the | | | | questionnaires according to the rationale and |
| domestic banks and recognized by the residents. | | | | approach of market segmentation. By the logistic |
| Still in its initial stage as a whole, the personal | | | | model analysis for the obtained data, it is |
| financial services of the domestic commercial | | | | expected that the factors which influence the |
| banks have rapid development, increasing | | | | whole demands and needs of our nation can be |
| expanded product scales and types. And its | | | | found. Based on the above analysis and a case |
| products have stably extended basic asset range | | | | study of China Construction Bank, we provide the |
| and gradually complicated design. But we have to | | | | analysis of the strengths, weaknesses, |
| realize clearly that under the restraints of the | | | | opportunities and threats (also called SWOT |
| financial law systems, the financial management | | | | analysis) in the process of Personal-Financial |
| systems and the development of the financial | | | | Services provided by the Commercial Banks. We |
| market, our personal financial services still need to | | | | presents some effective and feasible measures |
| face all kinds of difficulties and challenges. | | | | from four aspects combined with the analysis of |
| So it is a long-term task for our banks to | | | | the above which is significant in theory and reality |
| carefully tackle the problems in the personal | | | | for facilitating the development of Commercial |
| financial business, improve the management of | | | | Bank Personal-Financial Services in China. |