摘要:随着经济的快速稳健发展和居民收入水平的不断提高，越来越多的人意识到金融资产的重要性。因此，个人理财业务已经成为一个国际公认的最具潜力的金融创新业务，并且已成为我国商业银行新的利润增长点。本文分析了我国商业银行近年来个人理财业务的发展现状，发现目前阻碍我国商业银行个人理财业务发展的原因，并结合理论知识与实际情况提出相应的发展策略。

关键词: 商业银行，个人理财业务，现状，发展

Abstract:With the rapid and steady economic development and income continues to improve, more and more people are aware of the necessity of financial assets. Therefore, personal financial services has become an internationally recognized best business innovations, and to become a new profit growth point in China's commercial banks. This paper analyzes the development status of Personal Financial Services of China's commercial banks in recent years, found reasons hinder the development of the commercial banks in China Personal Financial Services, combined with theoretical knowledge and actual situation of the development strategy.

Key Words：commercial banks, personal financial services, current situation， strategy

　　　随着经济的快速稳健的发展和居民收入水平的不断提高，人们在银行的储蓄存款呈现高涨之势。由于目前通货膨胀率高涨，很多人们逐渐将单一的、收益低的存款习惯向多渠道、低风险、收益好的个人理财产品转换。在这种情况下，商业银行个人理财业务是最受欢迎的理财方式。通过商业银行个人理财业务发展策略研究，实现风险的有效规避和资金收益的最大化，促进商业银行个人业务的稳健发展。