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1、ABSTRACTWithincomelevelrisinganddemandforpersonalfinancialservicesgrowing,personalfinancebusinesshasbecomeanewprofitgrowthpointforeverybank.Butinourcountrythebanksonlygraduallydeveloppersonalfinancialservicesinthe1990s,soitisstillinitsinitialstageofdevelopment.S
2、inglefinancialproducts,marketing-basedservicemodelandlackingprofessionalfinancemanagersaremakingfinancialservicesreachabottleneck.Soresearchofthefinancialbusinessinnovationisimperative.Thispaperfocusontheanalysisoftheforeignbank’sadvancedexperienceandgivingthewa
3、yofinnovationforourbanks.Combiningtheexampleanalysisanddatasupport,itisdescribedinthefollowingaspects.Thefirstchapter,Introduction.Introducestheresearchbackground,researchstatusofdomesticandabroad,researchmethodandstructure.Thesecondchapter,anoverviewofbankingpe
4、rsonalfinancialservices.Brieflydescribestheoriginandmeaningofpersonalfinancialservices,andfromthetheoreticalpointexplainthebusinessinnovation.Thirdchapteristhenecessityofpersonalfinancialbusinessinnovation.Thatexpoundsthenecessityfromtheaspectsofpromotingdemand,
5、changesintheexternalenvironment,competitioninsamebusiness,therisingoftheInternetFinance.Fourthchapteristheadvancedexperienceofforeignbankpersonalfinancialbusinessinnovation.Analysisfromthebusinessmodel,products,services,teamsfouraspects,andgivesomebank’ssuccessf
6、ulexamplesthatareinordertocomparethestatusofourbanks.Fifthchapteristheproblemofourbankpersonalfinancialbusinessdevelopment.Problemsarefoundbycomparisonwithforeignbanks.Banksownproblemsaresuchassingleproduct,inferiorservice,thelackoftalent.Problemscausedbytheexte
7、rnalenvironmentaresuchasseparateoperationandtheuncompletedrelevantrules.Sixthchapteristheinnovativeways.Itcombinedwiththeactualeconomicenvironmentformulatefivepointsoffinancialbusinessinnovation.KEYWORDS：personalfinance,innovation,financialproduct,service万方数据目录第
8、一章绪论..................................................................................................................11.1研究的背景和意义....................................
