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ing well currently. The people's living standard is increasing, people’s market demand for varieties of financial services and capital appreciation is gradually increasing; wholesale Market with enterprise service object has become ripe and saturated, profits are declining, while Personal Financial Services with individual families and private property owners subject become a effective method for modern commercial banks to occupy the market and Increase profits; at present, more and more foreign banks have moved into the Chinese market, they have perfect service systems, advanced technical means, proven management system and abundant capital strength, , the strategy they take to enter the domestic market is no doubt competing for market share of domestic banks. In the living environment, banks have to find new profit source[2].
In China, personal savings that residents have are above 60% of total deposit, the one who seize the initiative of personal financial planning business will occupy a strong competitive position of the banking sector. Therefore, the personal financial management gradually becomes one of the main fields of China's banking products and services competitive innovation. At present, however, China's banking industry current management methods and management tools are still depend on traditional business, its pace of does not match that of market expansion and new business, active market personal financial services, and new instruments need to be established. While the effective choices are improving financial services and constructing efficient marketing system, the importance of commercial banks Personal Financial Services integration, development and innovation is increasing. It can not only promote changes in the commercial banks’ economic function, but also contribute to bank assets, revenue and customer structure optimization, enhance China's commercial banks more competitiveness.

1.2 Research methods and structures
Since the reform and opening up, China has been developed gradually, rapid and healthy, People's willing to invest and modern financial management concepts are increasing, people’s demand for diversified financial services is also increasingly, The development of Personal Financial Services has become priority of commercial banks in the development. The paper analyses market environment that China's commercial banks to develop Personal Financial Service and the gap between services of Domestic commercial banks with similar activities of foreign commercial banks. The paper referred Economics, Information Technology Research Theory and Management Engineering Theory, and give some practical suggestion and strategy for Chinese commercial banks to develop their Personal Financial Service.

The basic framework of the article is as follows:
The introduction introduces the Writing Objective, structure and Innovations of this paper.
In the first part, the paper described Personal Financial Service briefly, introduced the general theory of commercial banks’ Personal Financial Services
In the second part, the paper introduces the developing process, market environment and system of Personal Financial Services, and analyses problems in Chinese commercial bank’s Personal Financial Services.

In the third part, the paper researched the strategy and tools for Chinese commercial banks to carry out Personal Financial Services.
 
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