在线等翻译！！拜托！！急用！！给200分！！！

In the banking sector to foreign banks have been open today, China's banking industry faces a powerful impact on foreign banks. As a share of profits in the banking industry in a growing proportion of the Personal Financial Services, is particularly worthy of attention. This paper analysis of the domestic commercial banks Personal Financial Services of the status quo: products and services to meet the diverse needs of customers, and other issues, and foreign banks with the experience and advantages for domestic commercial banks operating part of the existing problems, high quality customer focus from mining Product and service innovation, professional financial management staff to start building links analysis.