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1、Discourse’SsummaryThepersonalfinancingisanewbankbusinessrisingin1980s，itfirstappearedinAmercia，thenspreadedabroadinsomedevelopedconuntiessuchasEuropeanandAsiacountrieslikeJapan、Hongkong，nOWithasbecameamainbusinessinfirstclassbanksallovertheworld，andinfluencesthedir
2、ectionofthedevelopmentincommercialbankandextensiveoperatingstratagem．Manydomesticcommercialbanksh—a．veprovidedthepersonalfinancingbusinessoneafteranothersinceCITICIndustrialBankfirstoriginatedin1996，tillnow,almostallcommercialbankshaveprovidedcorrespondingkindsofth
3、isbusiness，thepersonalfinancingbusinessisbecomingafocusandcommandingelevationinnewcompetitioninfinancialfield．Butthepersonalfinancingbusinessisstillaneonatalthinginchina，domesticcommercialbanksandresidentsarelackof讎Sbusiness’Srealizationandaccurateunderstanding．Alt
4、houghithasdevelopedseveralyears，andtlliSbusinesshastakensomeadvancement，hugeobstacleisexsitedinintensivedevelopment，becausethisbusinessisnotonlyrestrictedbytheexteriorfactorsuchasmarketandpolicy,butalsorestrictedbythelackofnotionof“theclientsarecenterofall”、structu
5、reandsystemandbackgroundsupporting，especiallythelackofagreatdealofgoodmaking’Sfinancingpersonhasbadlyrestrictedthisbusiness’Sdevelopment．AfterjoinedWTO，foreigncapitalbankisenteringintoChinafinacemarketquickly,thepersonalfiancingbusinesshasbecomeacompetitivefocustha
6、tthesebankswanttooccupyandexpandbankbusinessinChina．Thisarticleresearchesonagreatdealofdataandconsultstheliterature，andwetrytofindoutacountermeasureofpersonalfiancing1business’developmentinourcountrybasedonandmanycommercialbank’Ssuccessfulexperience，andhopestomakea
7、activeexplorationofourcommercialbank’Sdevelopment．Therearefivechapterinthisarticle．Chapter1introducesthepersonalfinancing’Sconceptionandnecessityofdevelopingpersonalfinancing；Chapter2analysesthestatusanddirectionofthepersonalfinancingbusiness’developing；Chapter3des
8、cribesthesituationofpersonalfinancing’SdevelopinginChina；Chapter4analysestheissueexistinginpersonalfinancingdevelopmentinChinacommercialbank；Chap
