personal banking

Now, the development of the personal banking services in China is in the primary stage.

现阶段,我国个人银行业务的发展起步晚 、 发展慢,目前仍然处在初级阶段.

Especially, the traditional personal banking business such as housing loans and car loan market continues to shrink. The commercial banks transfer their competition core to the credit card business.

尤其是在作为传统的个人银行业务重点的住房贷款和汽车贷款市场持续萎缩，风险层出不穷的情况下，商业银行把竞争的核心转向盈利能力强、市场空间大的信用卡业务。

An accurate definition and the type of service of the management fee of small sum personal banking account will be given with relevant information.

首先，综合相关资料，明确小额账户管理费的定义，分析其所属的业务类型。

Study on Personal Banking Business Development Strategy of Small and Medium Sized Commercial Banks

中小股份制银行个人银行业务发展策略初探

Secondly, the customer's degree of acception 、 the imperfection of the outer social environment and the unsoundness of the personal credit system etc. also seriously hamper the development of commercial banks' personal banking business.

其次，客户的接受程度、外部社会环境不完善以及个人信用体系不健全等因素也严重束缚了商业银行个人业务的发展。

Through a case study of a customized service system of a personal financing center, the paper further emphasizes the importance of customized personal banking service and related issues that need attention.

通过对一个理财中心差异化服务体系建设的案例进行分析，进一步阐述了国有商业银行实施差异化服务的重要意义和应注意的问题。

Wealth management located in the top of individual customers value chain. So, the development of wealth management and personal banking services are strategic measures for adjusting profit model.

财富管理业务处在整个个人客户群体价值链的顶端，大力发展财富管理与私人银行业务，正是银行调整收入结构和盈利模式的重要战略举措之一。

Bank outlets operations management will directly be related to commercial bank service efficiency, operations risk prevention, cost structure optimization, and influence the personal banking business value creativity and core competitive power.

网点运营管理将直接关系到商业银行服务效率提升、操作风险防范、成本结构优化，并影响决定了商业银行个人银行业务的价值创造力和核心竞争力。