摘要：银行理财业务是其综合经营的战略载体及中间业务收入的非常重要的途径。目前中国的银行个人理财业务还处在初步发展阶段，存在许多问题，如产品的风险揭示不充分、粗放式发展、品种结构不合理等等。因此，我国的银行要审慎研究判断市场在当前情况下的方向，这样才能最大化的发挥个人理财业务的效益，促进经营转型。本文概括总结了我国商业银行个人理财产品的发端与演进，对目前个人理财市场上值得人们关心的焦点问题，特别是存在的问题进行了较为系统的分析。因此，我国商业银行个人理财业务应重视客户关系的管理、创新特色服务、打造卓越品牌，以促使我国商业银行个人理财业务突破现有瓶颈，提升产品的价值，塑造核心竞争力。

关键词：商业银行    个人理财业务    改革创新

Abstract:Bank financing business strategy of its consolidated operating revenues between carriers and a very important way. Bank of China's personal finance business is at a preliminary stage of development, there are many problems, such as the product is not inadequate risk disclosure, extensive development, the variety structure is irrational and so on. Thus, China's banks to carefully determine the market direction in the current circumstances, so as to maximize the effectiveness of their personal wealth management, and promote business transformation. This paper summed up the personal financial management of commercial banks and the evolution of the originator product, then the current personal finance market is worth to start one by one people are concerned about the focus of analysis, the last of Commercial Bank Personal Financial Services has made the future development direction of the inquiry to promote personal financial management of commercial banks to break the existing bottlenecks in product markets, to enhance product value, create the core competitiveness.

Key words: commercial banks   Personal Financial Services    reform and innovation