With the development of our national economy, people’s living standards improved, the common people on the idle fund becomes more and more, financial management consciousness and the strengthening of residents in personal finance needs more and more urgent, makes our personal finance market won the unprecedented development. The high quality of the personal financial management products and services will be the inevitable choice of the market. At the same time, our personal finance market start later, the current development still exists some shortage, the lack of talent, laws and regulations and the lack of the same kind of product and so on also restricts the healthy development of the financial market. Through the comparison of the personal financial management at home and abroad market both at home and abroad to find out the differences of personal financial market. Try to find out the boost domestic personal finance market strategy. This paper in the study of personal financial market in China on the basis of the current situation of our country’s personal finance market development problems encountered in the process of analysis, and put forward the corresponding proposal, the hope of China’s personal finance development assistance.
Keywords：Personal finance, Product upgrades,Commercial Banks, Countermeasures