With the ever - increasing income level and personal financial asset , and against the background of steady decrease of interest spread of deposit and credit and the profitability of wholesale business , personal banking business has become a focus point of business development by various commercial banks . in their eyes , personal banking business is a service with huge potential and strategic importance in business banking business competition 随着中国城乡居民收入水平的不断提高，个人金融资产迅速增长，同时由于商业银行存贷利差的逐渐减少，批发业务的盈利能力不断下降，个人银行业务具有极大的发展空间，其战略地位日趋显现，个人银行业务成为各商业银行竞争的焦点和热点。
