Although the China Financial Planner Standards Committee has been established, there is still a long way to go before we can rely on certification to cultivate high-level financial planners. Generally speaking, the current personal account managers of banks generally come from two types of personnel: one is business skilled personnel selected by top business professionals, and the other is targeted selection of young employees with good basic skills in financial theory. Both types of personnel have their own advantages and disadvantages: skilled employees generally have rich customer service experience and are familiar with a certain type or several businesses. However, they lack comprehensive personal finance theory and are unable to provide the high-end services that customers need. Although the latter have rich theoretical knowledge, they lack customer relationship management capabilities, financial product sales skills, and customer service experience. Therefore, establishing a team of qualified personal account managers and conducting continuous and targeted employee training based on different situations is the key to solving the problem of account manager quality. In this regard, seeking the help of a professional financial planner training institution with rich experience will be an effective solution. In order to meet the growing financial service needs of VIP customers, domestic banks should, while building a new marketing system, follow the world's trend of mixed financial operations and introduce, train and reserve a group of people who are familiar with financial planning and foreign exchange, funds, securities, futures and insurance. We will cultivate high-quality, sophisticated and top-notch specialized business talents to cultivate a team of account managers and product managers who are capable, effective, loyal and dedicated, and play their role as the main force in the personal financial management business.