The Design and Implementation of Personal Service in Intelligent Network;

With the strategic transformation of personal services, retail financial services gradually become the important profitable channel of commercial banks.

The article discusses to develops individual gold service in ciew of present Our Country Commercial bank the present situation, the analysis owes the developed area commercial bank to set up individual gold service the importance and necessity, proposed owes the developed area commercial bank to set up individual gold service and gradually the thorough development concrete strategy.

Based on investment and behavior financing theories,combining the methods of quality and quantity,a strategic model of portfolio for personal financing of commercial banks is provided,which can realize the maximum profit of customers.

Comparing with the rapid development of personal financing business in the commercial banks of developed countries,this operation in China is obviously backward.

The personal financing is a new bank business rising in 1980s, it first appeared in America, then spreaded abroad in some developed counties such as European and Asia countries like Japan、Hong Kong, now it has became a main business in first class banks all over the world, and influences the direction of the development in commercial bank and extensive operating stratagem.

The Research on the Marketing Strategy of Personal Financial Business in Xianyang Commercial Bank;

The electronic bank develops quickly in our country,and plays an important role in personal financial business.

Because of circulating mechanism being not sound and lacking of the high character talented persons,our country personal financial business innovation and conformity exist many problems,so our country should strengthen the personal financial product innovation and conformity.

User data management in the personal communications services networks;