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In the developed countries is a personal business development in the relatively mature banking business and has more than 100 years of history, and our personal financial business is just in its infancy, but the market prospects are bright. Each bank has been widely recognized that the work of the business of the importance and necessity. For China's banking industry, the personal financial management is a very attractive market and tremendous business opportunities, but also will have to face a fierce competition in the market and tremendous challenges market. Therefore, the analysis of the commercial banks personal business status quo and proposed to develop a strategy, has a very urgent and practical significance. The topic briefed domestic personal financial business development status, with the West and Commercial Bank of China's Hong Kong region of the Personal Financial Services comparison, China's commercial banks raised personal financial business development st