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With the fact that our country national economy continuing for , developing speedily, resident's investment wish and modern times the concept managing money matters strengthens , the finance serves need diversifying also gradually , individual development of the business managing money matters becomes commercial bank business opening up a priority of exhibition. Commercial bank individual the business managing money matters is low one risk , low cost , high avails centre business new and developing, not only being able to increase the bank centre business invisible income, drive bank retail business entirety to develop , can bring large amount of capital deposit in foreign currency fund precipitayion to large amount of capital deposit in foreign currency fund precipitayion commercial bank and. For the overall development strategy realizing our country commercial bank, accelerate development of retail business , have certainly needing business current situation managing money matters to our country commercial bank individual and developing investigation and discussion and analysis being in progress. The thesis is three the following parts together mark: First, business develops the trajectory retrospect owing to that the commercial bank individual manages money matters, history and current situation that the business having introduced that our country commercial bank individual manages money matters develops; Secondly, two aspect has set forth the problem that our country commercial bank individual there exists in business present stage managing money matters from the outside environment and bank inside system, the defect including laws and statutes , financial policy , marketplace environment and personal credit system , the commercial bank deficiency and in the field of technology system and the professional; Business have problem managing money matters finally, specifically for our country commercial bank individual, aspect such as improving and perfecting from legal system , the financial policy changing , the target market subdividing , systematic FOAK of technology and professional's culture has submitted corresponding countermeasure suggestion.

As China's sustained, rapid growth of investment in people and enhance the concept of a modern financial management, financial services is also growing demand for diversification, the development of Personal Financial Services to become commercial banks, a focus on business development. Commercial Banks, Personal Financial Services as an emerging low-risk, low-cost, high-yield intermediate business, not only can increase the bank's intermediate business income, the bank led the overall development of the retail business, and commercial banks can also bring a lot of this precipitation of funds in foreign currency deposits. China's commercial banks in order to achieve the overall development strategy to accelerate the development of retail business, it is necessary to China's commercial banks of Personal Financial Services to discuss the status and development and analysis.
The following paper is divided into three parts: First, commercial banks based on the development of Personal Financial Services Review, introduced the Commercial Bank of China's personal finance business development history and current situation; Secondly, from the external environment and internal system of two banks on China commercial banks at this stage the existence of Personal Financial Services, including laws and regulations, monetary policy, market conditions and personal credit system defects, as well as commercial banks in the technical system and the lack of professionals; Finally, China's commercial banks exist, Personal Financial Services issues, from improving the legal system, financial policy changes, the target market segments, technology innovation system and the training of professionals and so the corresponding countermeasures and suggestions.