Overseas and Hong Kong area of commercial Banks' personal financial management business development In the global economy integration, financial liberalization and modern science and technology development tide in western developed countries have adjustment of commercial bank management strategy, leave no stone unturned to development of the personal financial management business. The personal financial management business scale of bank of the portfolio average 50-70%, business scope covers personal savings, consumer credit, securities and investment funds, foreign exchange and insurance, leasing and financing, personal finance, agent, asset management and financial consulting and so on themultitudinous domain of business [5]. More than 200 varieties of service and profit margins of the total profit of Banks generally 40% ~ 70%. Some foreign Banks in the mixed operation environment, in individual financial field accumulated a self-sustaining investment experience. As citibank provides a variety of personal financial management services, clients at citigroup, establish a account package available, these financial services include not only credit card service deposit and loan and cars and houses, and also includes conduction insurance, stock, bond fund and financial products. For some good financial customers, bank can offer special individual investment banking services. Client will own age, asset scale, income, quality of life, the target and risk to bear ability as the personal finance expert told Banks, they can help tailor-made financial plans, but also is constantly adjust deposit, stock, fund, bond portfolios, etc, in order to obtain the best return on investment. If customers don't satisfied anytime draw money. This is a form of bank of pressure, for the customer requirements must bring higher yields. For those who want to have a client, investment of citigroup have set up several special investment account, such as automatic investment account deposit and investment accounts, etc. In Hong Kong, commercial bank of the personal financial management business also widely involved fund of insurance fund investment, savings, financial services, trust, etc. Relative to the long-term, bank deposit returns than inflation, bonds, and surely stock returns, people gradually changed to bank deposits for original ways of saving habit, through the commercial Banks provide funds of savings plan and fund investment services, capital effectively into a bond fund, stock fund, guarantee funds and hedge funds and scattered in different areas and industries. In insurance service, commercial bank's financial advisers also according to the customer's needs, in the life, accidents, tourism, property, and other types of insurance services for its selection of appropriate insurance products and their combination. Meanwhile, Hong Kong also some of the commercial Banks, such as for the next generation custody wealth, avoiding tax, tax arrangements for such trust business services.
Overseas and Hong Kong area of commercial Banks' personal financial management business development In the global economy integration, financial liberalization and modern science and technology development tide in western developed countries have adjustment of commercial bank management strategy, leave no stone unturned to development of the personal financial management business. The personal financial management business scale of bank of the portfolio average 50-70%, business scope covers personal savings, consumer credit, securities and investment funds, foreign exchange and insurance, leasing and financing, personal finance, agent, asset management and financial consulting and so on themultitudinous domain of business [5]. More than 200 varieties of service and profit margins of the total profit of Banks generally 40% ~ 70%. Some foreign Banks in the mixed operation environment, in individual financial field accumulated a self-sustaining investment experience. As citibank provides a variety of personal financial management services, clients at citigroup, establish a account package available, these financial services include not only credit card service deposit and loan and cars and houses, and also includes conduction insurance, stock, bond fund and financial products. For some good financial customers, bank can offer special individual investment banking services. Client will own age, asset scale, income, quality of life, the target and risk to bear ability as the personal finance expert told Banks, they can help tailor-made financial plans, but also is constantly adjust deposit, stock, fund, bond portfolios, etc, in order to obtain the best return on investment. If customers don't satisfied anytime draw money. This is a form of bank of pressure, for the customer requirements must bring higher yields. For those who want to have a client, investment of citigroup have set up several special investment account, such as automatic investment account deposit and investment accounts, etc.