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Functional Perspective on Commercial Banks Personal Finance Business Innovation

Author: WuZhenShan
Tutor: SunGuiFang
School: East China Normal University
Course: Finance
Keywords: Financial Intermediary Financial Innovation Personal banking Functional transformation of commercial banks
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 420
Quote: 0
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Abstract


With the rapid development of social economy, personal banking business in the commercial banks' overall proportion rising, profits of commercial banks has become a new growth point. Compared to Western countries, China's commercial banks in the field of personal financial services market started late, especially in financial innovation, there are still some gaps. At the same time compete with foreign banks, commercial banks should seize market opportunities, changing personal finance business innovation capacity shortage situation, personal finance business development as an opportunity to achieve the transformation of commercial banking functions. Based on the theory of financial intermediation and the development of the theory of financial innovation, commercial banking functions from the perspective of personal financial services to accelerate innovation illustrate the necessity of personal banking business through innovation to develop new theory of financial intermediation Commercial Bank customer-oriented, value-added, three functions of risk management and, through empirical research to find out all kinds of personal banking and commercial banking core competitiveness of the degree of association, to find in the future to carry out the direction of personal financial services, to ensure that China's commercial banks in an invincible position in the competition. Same article also cited the foreign banks in the personal banking market multiple sets of data to illustrate China's commercial banks to conduct personal banking problems, put forward their own solutions to this problem and suggestions. Principles of financial product innovation is the \allows commercial banks with the Bank's financial products features and advantages; means innovation in the financial services, the focus on cross-market for financial services, cross-market innovation is aimed at the money market and capital market funding streams interoperability, solve each kinds of financial instruments payment function accessibility, in our present increasing proportion of direct financing under the status quo, cross-market financial instruments versatile innovative services is even more important; personal financial services in the commercial banking counter services innovation to solve customers queuing difficult formalities efficiency issues, and guide traditional business to online bank transfer, the focus through the development of online banking, mobile banking, bank card perfect function, improve staff quality, and greatly increase self-service banking facilities and other measures to resolve.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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