摘要：個人理財業務具有市場容量大、風險低、業務范圍廣、經營收入穩定的特點，成為發達國家很多大商業銀行的主導產品和重要的收益來源及利潤增長點。我國自從1978 年改革開放以前，經濟水平有了較大幅度的增長。雖然與西方發達國家相比， 我國的個人理財業務剛還在起步階段，但最近這幾年的發展卻是非常之快，人們越來越關心各種投資理財概念，投資理財產品。

　　　但與西方商業銀行發展迅速的個人理財業務相比，我國商業銀行這項業務的發展明顯落后，且差距很大。面對當今我國商業銀行傳統業務風險日趨增大，存貸款利差日趨縮小、外資銀行步步進逼的新形勢，我國商業銀行應當深刻反思其發展滯后的原因，提出切實可行的發展對策。

關鍵詞:個人理財   發展現狀   發展建議

ABSTRACT:Personal finance business to have great capacity, low market risk, business scope, business income is stable characteristics, to a developed country many large commercial bank's main products and an important source of revenue and profit. Since reform and opening up in China in 1978 before, and the level of economy had relatively substantially increase. Although compared with western developed countries, China's individual financing business just fledgling, but in recent years the development is very fast, people are more and more concerned with various investment management concept, finance and investment products.

　　　But with the western commercial Banks of the personal financial management business developed rapidly, compared the business bank of our country the business development obvious backward, and difference. Facing the current our country commercial bank traditional business risk and loan interest is increasing, foreign Banks increasingly narrowed, the new situation of having annexed, Chinese commercial Banks should profound reflection its development lag reason, and feasible countermeasures.

Key words   Personal finance  Development situation  Development Suggestions

　　　本文主要是先介紹商業銀行個人理財業務的涵義，通過了解我國商業銀行個人理財業務的現狀及存在的問題，對比我國商業銀行個人理財業務與國外的差距，找出我國商業銀行可以借鑒的東西，從而促進我國商業銀行個人理財業務健康快速的發展。同時我也即將進入商業銀行工作，為了能更好地適應工作崗位，提前了解一些銀行理財業務的相關知識，對我將來的職業規劃也能起到指引的作用。