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China's commercial banks is the personal finance business in the 20th century in the late 1990s began to develop, and now a personal financial management as the core business has developed into a middle improve banking services functions and improving the profitability of the banks one of the important means. Practice has proved that to personal financial management as the core business will be driven in the middle of other banking business. Therefore, the strengthening of the global personal finance banking business is the inevitable trend of development. The next five to 10 years will be high-speed development of China's financial market stage, a bank financial business in China is to change in depth. In the basis of the results of previous studies, from theory to practice, from domestic to the international status quo, the countermeasure to the problem of China's commercial banks personal financial operations of the system on. Through the extensive data collection, carried out a detailed analysis in order, in the corresponding reached on the basis of this conclusion, and to make relevant recommendations and strategies. This paper attempts to use the "Personal Financial Services" vector of China's commercial banks Personal Financial Services for the development of the matter, and further strengthen our commercial banks to a sense of crisis and urgency, and for the future of my personal financial business development, and try its best to build personal financial business competitive edge to the core of their own point of view.