This part combines the relevant theory of marketing management with the practice of the personal finance services of chinese commercial bank , and raises the corresponding marketing strategy , which includes the developing strategy , difference competing strategy and market segmentation strategy . at last , on purpose of delivering better personal finance services , the thesis brings about a tentative plan of setting up a system of client information management 分別提出了個人理財服務的發展戰略、差別化競爭戰略、市場細分策略;并為適應商業銀行的行業特殊性,提出了獨特的營銷組合策略;最后,借鑒國外先進做法,提出了我國建立客戶信息管理系統的設想。