浅析商业银行个人理财业务的发展现状及对策随着我国经济持续快速增长，城乡居民收入水平也不断提高。近几年来，市场经济体制不断完善，资本市场日益活跃，银行进行产品创新与服务创新速度不断地加快，个人理财业务成为内外资商业银行争夺市场的重要阵地。 但是我们必须清醒地认识到，由于受我国金融法律制度、金融管理体制和金融市场发育程度等方面的制约，我国个人理财业务还面临着各种各样的困难和挑战。本文旨在探讨商业银行的发展现状及对策，文章介绍了商业银行个人理财的内涵，并结合我国商业银行个人理财业务的市场环境和发展现状，提出了通过更新理财业务管理理念、进行理财产品和理财服务创新、完善理财业务的市场定位、拓展个人理财业务的服务提供渠道等措施，在发挥国内商业银行自身优势的前提下，学习国外的经验，促使国内个人理财业务的不断完善和成熟。 关键词：商业银行；个人理财；理财产品 China's commercial banks actuality and countermeasures of Personal Financial Services Abstract With the rapid and stable economic increase of our nation,the income of the urban and rural residents is continuously growing.In recent years,the capital market has gone flourished,besides,the innovation of the banking product and service has been accelerating,personal finance market has become a focus for domestic and foreign banks.But we have to realize clearly that under the restraints of the financial law systems,the financial management systems and the development of the financial market,our personal financial services still need to face all kinds of difficulties and challenges.This thesis aims to identify the situation of personal financial services now in China and put forward suggestions on its development.At first,this thesis briefly summarizes the general situation of he personal financial services in commereial bank. the essay elaborates on the specific strategy to develop the personal finance service including the quickening of the product development and innovation,optimization of the product structures and services,enhancing the service effieiency and quality as well as the application of the information technology,broadening of the new service channel. Key words: eommercial bank；personal finance；financial products
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