At present, the compete for Personal banking business between commercial banks becomes more and more intense, therefore, analyze and diagnose the Personal banking business of Standard Chartered Bank and study its development strategy has not only some practical guiding significance for Standard Chartered Bank, but also some lessons for other banks.

The government is supposed to avoid the direct interference in monetary funds,build up a modest space of development for it,learn from the advanced funds investment strategy and experiences of management abroad from its own national situation and foster a passel of bank funds management corporations perfect in credit assets in order to lead a faster and healthier development .