Single-type personal financial products are unable to provide cross-line or bundled-up service and to meet diversified demands from the consumers and that consumers with different incomes have different demands for financial products. 个人金融产品主要是单一型产品,缺乏为客户提供多项业务相结合的交叉式或捆绑式服务,不能满足消费者的多元化需求;不同收入的消费人群对个人金融产品的需求不同。