Compared with the rapid development of personal banking in western commercial banks, China's commercial banks` was visibly backward; even we can say the gap was quite large. In recent years, along with the acceleration of financial liberalization, increased competition between commercial banks, economic growth and the increase of personal wealth, personal banking has been growing rapidly. Due to the constraints from the financial legal system, the financial management system and the lag upgrowth of financial market, a number of new problems come with the rapid development and evolution of financial services in China’s commercial banks. This article was mainly focused on the analysis of the status and some main problems in China’s personal banking development. And also some solutions on practically developing innovative personal banking were raised here.
Keywords: China's commercial banks, personal banking, lag, innovation