the differences between personal financial services and personal financial products are as follows.

1. Personal financial management includes two situations: generally speaking, it includes the personal behavior that customers manage their own money without investing through professional financial management companies or brokerage companies. At the same time, there are also financial management behaviors involving third parties with the help of professional financial management companies or professional financial planners.

2. Personal wealth management products refer to wealth management products designed and sold by commercial banks for qualified individual customers, including stocks, funds, futures, foreign exchange, bonds, insurance, gold, lottery and other channels.