Compared with developed country, it is late that China banking start to attach great importance to individual finance service. As far as the present, China banking is lagging behind much. But promoted by external power of economics system innovation and inner power of seeking new profit space, supported by technology, China banks have already been aware of the strategy importance of individual finance service and made progress. In future they should devote much more to clients study and product research in order to keep success in the competition. Keywords: Individual Finance Service, Commercial Bank, Clients, Products