First of all, commercial banks need to locate customer target groups, establish professional teams, and formulate plans suitable for the local market. Specifically, it is necessary to formulate financial products and programs such as funds, stocks and insurance suitable for different groups of retail customers, and also provide professional wealth management services for institutional customers. Commercial banks need high-quality products and services. In product design, we should give full consideration to risk control and customer needs, and the service team should also have professional compatibility.