ABSTRACT
Development of new economic has brought enormous imaginary space for the private
financial business of commercial banks. With the depth of financial private financial
liberalization and the wide application of bank's reforming theory, the business of
commercial banks has become one of the growing profit and the nuclear commerce.
And it is the jumped-up "morning sun" commerce. Meanwhile, the development of the
private financial business has become the central standard of measuring bank's
comprehend ability because it is the great affection for connecting with the customer
and accelerating the balance commerce. For the commercial banks in china, if we can
solve the problem of view and mechanism and production and function in comparison
with the international banks, which is the existence and the development of the
commercial banks in china in course of the economic globalization.
Firstly, the thesis defines the limit of the private financial business and analyses the
forming factor, the developing background of it. It thinks that private financial business
is the produce of the finance reform and the finance deepness, It is also the corollary of
the public's various demands. Then the current state and problems of business of
commercial banks are analyzed in the chapter. The chapter thinks that the private
financial business banks are more poor than western banks. And speeds of development
of china national commercial banks are different and unbalance. There are main
problems improving private financial business of commercial banks are the following:
the old view and the low market; the lacking uniform outlook, the low management; the
small business fields; the unperfected mechanism and so on. Finally, in the part of
tactics, the thesis proposes detail means to develop private financial business from the
aspects of innovating financial product, enforcing the bank's market, enforcing the risk's
control.
In this thesis ,I first introduce the concept of private financial business, the kinds and
characters of private financial business, its basic theory. I focus on private financial
business market of commercial banks in china in this time, mainly about the status of
private financial business of Shanghai branch bank of private financial business CITIC
bank .Compared with foreign banks, I found its problems in the field of private financial