Personal financial services is the competing focus of the Chinese and foreign bank with the China's entering of WTO, may become a breakthrough point for the international financing institutions coming into the Chinese financial market and a most convenient path of direct earnings. If our nation's personal financial services cannot achieve a qualitative change in shorter time, we will be harder to establish a competing advantage in the future market. Compared with foreign banks, we have many shortages. At present, how to make a compatible deve...