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on the other hand, the stock market remains uncertain future trend, And have not been very sound information disclosure mechanism to increase the investment risk, But also to the selection of commercial banks as well as personal investment trust products that are difficult.but have not yet developed the do mo C insurance market, the foreign exchange market is also constrained to some extent, Commercial banks faster sound personal financial business development.

3.1.3 lack of personal credit institutions <; T only the main proportion of liabilities are the rapid rise, especially in the wake of domestic consumer credit business continued to expand, Customers have been made to the bank and how the assets and liabilities in the balance between the search and takes into account the risks and income 。 At present, China still lacks a complete set of norms of individual credit system, which to a large extent restricted commercial banks in part Personal financial services personal consumer credit business, A major bottleneck.the lack of credit system will lead to the banking and information asymmetry among the residents.to avoid the risk of bad Nd reduce the possibility of loan losses, Banks are in the process of personal financial management operations are generally more stringent provisions of the development, Business development is more cautious on credit customers a more detailed review.this has considerably reduced in the individual supply of connent Redit business, which also has hampered China's commercial banks, personal financial services's rapid development.