摘要：上世紀七十年代以來，受金融創新浪潮沖擊，個人理財業務在很多發達國家的商業銀行中產生并且迅速發展。目前，我國的個人理財業務正處于起飛階段，市場前景十分廣闊。商業銀行為了提高企業競爭力，把個人理財業務作為發展對象。為了更進一步提升個人理財業務，我們應該在吸收國外優秀發展策略精髓下，從我國基本國情出發來發展我國的個人理財業務。本文從介紹商業銀行個人理財業務的概念和特點入手，分析了我國商業銀行個人理財業務的發展現狀，發現在其發展過程中存在的問題，并針對這些問題給出一些合理化的建議，提出切實可行的應對策略。優秀的個人理財業績有利于完善商業銀行內部體制，提升商業銀行服務效率和水平；有利于拓展商業銀行服務領域，提高商業銀行市場競爭力。

關鍵詞 商業銀行；個人理財；業務探析

Abstract：Since the 1970 s, the financial innovation tide impact, personal finance business in many of the commercial Banks of developed countries and rapid development. At present, our country's personal financial business is at the take-off stage, the market prospect is very broad. Commercial Banks in order to improve enterprise competitiveness, the personal finance business development as object. In order to further enhance personal financial business, we should be under the essence of absorbing foreign excellent development strategy, starting from the basic national conditions in our country to develop the personal financial management business of our country. This article from the introduction of the concept of commercial bank individual financing business and the characteristic, has analyzed our country commercial bank individual financing business development present situation, found problems in the process of its development, some rationalization proposals are given to solve these problems, put forward the feasible coping strategies. Good personal finance performance is helpful to improve the commercial Banks internal system, enhance the level of commercial bank service efficiency and; To develop commercial bank services, enhance the competitiveness of the commercial bank market

Keywords Commercial   Bank Personal   Business analysis