oviding mercial bank loan business, wealth depository and provide payment and settlement business media, also for the society to provide liquidity insurance, support normal economic activity. Some financial business needs professional experience judgment, information technology pletely replace the face the vigorous development of the financial business, commercial Banks and other financial institutions should pay close attention to the development of the financial trends, changing the concept of development, actively adjust strategy. Commercial Banks to use the financial mode, can deep integration of technology and the bank's core business, improve customer service quality, expand the service channels, improve the level of business, to adapt to the financial model to the impact of the