摘 要:第三方理財由于所提供的理財服務(wù)是基于中立立場，能夠按照客戶的實際情況和理財需求，提供綜合理財規(guī)劃服務(wù)，具有獨立性和中立性，因而在理財市場占據(jù)越來越重要的位置。隨著我國經(jīng)濟的快速發(fā)展，居民對理財?shù)男枨笤絹碓酱螅l(fā)展第三方理財業(yè)務(wù)是必然的趨勢。而當(dāng)前我國第三方理財?shù)陌l(fā)展還處在萌芽期，存在一定的問題亟待解決。本課題通過研究總結(jié)出其存在的問題主要是法律法規(guī)缺失、人才匱乏及盈利模式單一。最后，對我國第三方理財業(yè)務(wù)的發(fā)展提出可行性的建議，指出應(yīng)完善第三方理財業(yè)務(wù)發(fā)展的外部環(huán)境、大力培養(yǎng)高素質(zhì)理財師以及通過借鑒西方發(fā)達國家經(jīng)驗實現(xiàn)模式轉(zhuǎn)變。

關(guān)鍵詞:第三方理財；行業(yè)環(huán)境；盈利模式；問題；對策

Abstract:Starting from the current development status of China's third-party wealth management, by compared with the United States and other developed countries, this issue found that in the United States, Canada and other Western financial markets in developed countries the third-party wealth management has formed a mature system, so does in Hong Kong and Taiwan region .rapid. But it is still in its infancy in the Mainland. There has been found  several independent third-party financial institution in Shanghai, Shenzhen and other major cities, but the country overall is still not amount to anything. This  issue through the study summed up the problems are mainly the lack of laws and regulations, lack of personnel and profitability of a single model. Finally, the feasibility of the proposal, pointing out the development of third-party wealth management business in China should improve the external environment of the third-party financing business development, vigorously develop high-quality financial planner, and by drawing on the experience of other Western developed countries to achieve the paradigm shift. 

Key words: Third-party Financial Management; Industry Environment;  Mode;  Problems; Countermeasures