摘  要:进入21世纪以来，国民累积财富的速度加快，越来越多的人理财意识开始觉醒，与此同时他们对理财提出了更高的要求。寻求的不仅仅是资产的保值，而是在力求资金安全的前提下使得资产增值。从整体趋势上看，我国的个人理财市场正朝着现代化、专业化的方向发展。在这个过程中，第三方理财作为独立的理财机构应运而生，它秉承独立性、以追求客户利益最大化的为宗旨，填补了金融市场的空白。

　　　本文将从第三方理财在我国的兴起与发展背景入手，结合欧美先进国家较为成熟的第三方理财的发展进行对比，找出差距，并结合我国国情提出对第三方理财持续发展的建议。

关键词：第三方理财  个人理财规划  理财顾问

ABSTRACT:In the 21st century, the national wealth accumulation faster, more and more people began to awaken financial sense, at the same time they put a higher financial requirements, seeking not only preserve the assets, but in seeking funding under the premise of making safe asset value. Judging from the overall trend, China's personal finance market is moving modern, professional direction. In this process, third-party financial institutions came into being as an independent wealth management, it is adhering to independence in pursuit of the interests of customers for the purpose of maximizing to fill the financial gap in the market.

This article from the third-party finance in the context of China's rise and development, combining advanced countries has matured over the development of third-party financial comparison, identify gaps, combined with China's national conditions for the sustainable development of third-party financial advice.

Key words: Third-party financial; Personal financial planning; Financial advisor