With the development of national financial awareness,"personal finance" gradually into the vision of the public,the vigorous development in recent years, the personal financial management business, is also getting more and more people are aware of the necessity of personal finance. Personal financial management can not only make the personal and family financial situation in the best state, so as to improve the quality of life, or to ensure that social capital circulation, the key link of the social reproduction. Although in real life, the income of each person is different, but whether the income is much, little,no deposit, all need to carefully manage their money, the rational use of every penny, let every penny to play the best efficiency. And all this is largely dependent onpersonal financing business. Personal financial business,must be linked to the personal financial management business sales and promotion platform at present the biggest -- commercial bank.
Personal financial business of commercial banks as the personal financial management business at present on the market management main body, its business philosophy, the development direction of largely determines the whole industry in the future. With the development of personal financial services and market isthe increasing demand, the commercial banks to personal financial business improvement, innovation to promote the development of the industry will play a very important role.
To sum up, in this paper Chinese XX bank XX branch as example, the strategy of its development in the personal financial services, and the existing problems, analysis, to explore the future development direction of optimization.
Keywords: personal financial business of commercial bank; SWOT analysis;