摘要：个人理财业务具有市场容量大、风险低、业务范围广、经营收入稳定的特点，成为发达国家很多大商业银行的主导产品和重要的收益来源及利润增长点。我国自从1978 年改革开放以前，经济水平有了较大幅度的增长。虽然与西方发达国家相比， 我国的个人理财业务刚还在起步阶段，但最近这几年的发展却是非常之快，人们越来越关心各种投资理财概念，投资理财产品。

　　　但与西方商业银行发展迅速的个人理财业务相比，我国商业银行这项业务的发展明显落后，且差距很大。面对当今我国商业银行传统业务风险日趋增大，存贷款利差日趋缩小、外资银行步步进逼的新形势，我国商业银行应当深刻反思其发展滞后的原因，提出切实可行的发展对策。

关键词:个人理财   发展现状   发展建议

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

　　　本文主要是先介绍商业银行个人理财业务的涵义，通过了解我国商业银行个人理财业务的现状及存在的问题，对比我国商业银行个人理财业务与国外的差距，找出我国商业银行可以借鉴的东西，从而促进我国商业银行个人理财业务健康快速的发展。同时我也即将进入商业银行工作，为了能更好地适应工作岗位，提前了解一些银行理财业务的相关知识，对我将来的职业规划也能起到指引的作用。