摘要:个人理财业务是商业银行推进综合化经营战略的重要载体和提高中间业务收入的重要手段。随着经济的发展，很多银行都纷纷推出了个人理财业务来获取更大的利润，作为中国四大国有商业银行之一的中国建设银行也不例外，推出了个人理财业务。在银行业之间的激烈竞争及融资的压力下，个人理财业务开始逐渐成为我国商业银行的新的利润增长点。但是中国建设银行对个人理财业务并没有给予足够的重视，针对中国建设银行新推出的个人理财业务，本文通过对目前个人理财理念及中国建设银行个人理财业务的发展现状的研究，指出了中国建设银行个人理财业务存在的问题，并提出相应对策，以此促进中国建设银行个人理财业务的发展。

关键词：商业银行，中国建设银行，个人理财

Abstract:Personal Financial Services is a commercial banking operation of an integrated strategy to promote the importance of carriers and increase the income of the middle of an important means of business.With the developing of the economy,banks roll out of the Personal Financial Services to earn more profits.As for one of China's four big state-owned commercial Banks,China Construction Bank also roll out of the Personal Financial Services.Personal Financial Services is becoming a new profit growth point for commercial banks in China because of the fierce competition between the banks and the financial pressure. But the Personal Financial Services has not yet won a lot of attention in China Construction Bank.In view of the new development of the Personal Financial Services for China Construction Bank.This article is to point out the existing problems of the Personal Financial Services of China Construction Bank through to the research of the current concept of personal finance and the individual development of the Personal Financial Services.Then to Put forward the corresponding countermeasures for the better development of the Personal Financial Services for China Construction Bank.

Key words：Commercial banks,China Construction Bank,Personal financial