In recent years, with commercial banks gradually intensifying competition and the market-oriented interest rates, commercial banks traditional wholesale business profit companies to gradually reduce and the credit risk continued to gather. With the establishment of China's market economic system to commercial banks and specialized banks in the gradual transition, banks have become increasingly blurred between the original specialization, the growing cross-depth business and financial competition is becoming fiercer and fiercer. The development of business space has been dwindling traditional banks, savings and loan spreads narrowed further, increasing the risk of traditional business and reduced earnings. to improve customer service, banks are trying to expand the scope of services, increase services and the development of new businesses. Has been added after China's accession to the WTO, foreign banks will use their huge financial strength and flexibility in the operating mechanism, rich management experience, focusing on quality clients. Increasing competition in the market forcing domestic commercial banks to open up new business areas to seek new profit growth space. Personal financial business with a vast area, volume,low-risk, personalized, revenue stability, higher value-added features, become an inevitable trend in the survival and development of commercial banks. In this backdrop, how to seize the quality customers, the market occupied
