摘要：个人理财业务是目前我国国内商业银行新兴的业务，自上世纪90年代以来，个人理财业务相继出现在我国各家商业银行，市场规模逐步扩大。但是相对国外商业银行理财业务，国内商业银行理财业务出现相对较晚，有很多因素在制约着我国商业银行个人理财业务的发展，就目前来说我国的商业银行仍然是依靠获取传统的存贷款利差来作为银行的收入来源。本文通过对国内外商业银行个人理财业务的研究，一方面可以为以后我国商业银行开拓并发展个人理财业务提出一些新的思路，从而促进我国商业银行努力提升自己的整体竞争力，获取更多的利润；另一方面，在我国，商业银行个人理财业务还是新兴的业务，研究商业银行个人理财业务的问题及其对策，有助于指导实际工作，从而促进这一新兴市场的发展。本文通过对比国内商业银行和国外商业银行个人理财业务的发展研究现状，针对目前我国国内商业银行个人理财业务中存在的问题，提出相应的解决措施。
关键词：商业银行；个人理财；现状；问题；对策
ABSTRACT：Personal financial services is the emerging business of domestic commercial banks. Since the 1990s, China's commercial banks have launched a personal finance business, the market gradually expand the scale. But relative to foreign commercial banks for financial services, domestic commercial banks for financial services is still in its infancy. Subject to many factors, China's commercial banks' profits still rely on traditional sources of deposit and loan spreads obtained. Based on the study of commercial bank personal financial services, the one hand can provide some new ideas for personal finance business expansion in China's commercial banks, so as to promote the commercial banks to raise their own profits and the overall competitiveness. The other hand, personal finance business in China is still in the early stage of development. Research on the problems and countermeasures of commercial bank personal financial services can help to guide the practical work, thus contributing to the emerging markets. In this paper, by comparing domestic and foreign commercial banks in the development of personal financial services and research, propose appropriate measures to resolve the problems of domestic commercial banks in china personal financial services.
Keywords: Commercial banks; personal finance; present situation; problems; countermeasures
我国国内商业银行个人理财业务出现较晚，对于国内商业银行来说还是新兴的业务，而在国外，个人理财业务起步较早，在长期的发展过程中已经成为国外商业银行重要的收入来源。但是随着我国经济的发展和人均收入的提高，国内居民手中的闲散资金也逐步增加，单纯的银行储蓄已经不能满足人们日益增长的需求，越来越多的人开始倾向于个人理财。同时从目前国内的状况来看，我国央行近年来连续降息, 银行存贷款利差逐渐缩小,国内商业银行从中获取的利润偏低，为了实现一体化的经营和在竞争日益激烈的市场上占据一席之地，国内商业银行业必须寻找新的利润增长点。前景广阔的个人理财业务无疑成为了国内商业银行的首选，我国商业银行应该根据目前国内市场的实际情况来推广个人理财业务，要根据客户的实际资产状况、预期目标和风险偏好程度为客户提供专业的个性化理财服务，确保客户资产的保值增值。
我们通过国内外商业银行个人理财业务的研究，一方面可以为以后我国商业银行开拓并发展个人理财业务提出一些新的思路，从而促进我国商业银行努力提升自己的整体竞争力，获取更多的利润；另一方面，在我国，商业银行个人理财业务还是新兴的业务，研究商业银行个人理财业务的问题及其对策，有助于指导实际工作，从而促进这一新兴市场的发展；同时在国内研究并推广个人理财业务，可以使人们的投资渠道实现多元化，进而促进国内金融体系资源优化，提高整个社会的资金运用效率。
