我国商业银行个人理财业务和理财产品发展的现状、问题及对策.docxVIP

自20世纪80年代开始，西方发达国家个人理财业务发展迅速。我国金融机构则从21世纪初开始大力发展个人理财业务，并涌现出一批专业的理财从业人员。经过多年的发展我国的个人理财业务也逐渐走向成熟，随着国内居民收入水平的日益提高和理财意识的不断增强，理财市场规模持续扩大已经成为不争的事实，面对市场需求的如此巨大，国内各家银行在拓展个人理财业务的过程中开发了大量的理财产品，不断推陈出新的理财产品是实现理财规划的工具,这为满足客户理财需求提供了重要的支持。但在发展的过程中仍会出现各种各样的问题。这些问题的存在暴露了我们在个人理财业务方面的不足之处，不论是在风险控制方面还是在金融体系内部和外部的基本问题，这些问题的存在就不得不让我们对个人理财重视起来，通过对问题的研究采取相应的措施进行改进。同时要求我们的理财师要趋向于专业化、亲民化，理财产品创新化、多样化，有助于制定科学的理财规划来满足不同的客户需求。 关键词：个人理财业务 个人理财产品 风险 对策 Abstract Since the 1980 s, the western developed countries personal finance business hasdeveloped rapidly .Financial institutions in our country, from the beginning of the 21st century to develop the personal finance business, and emerged a group of professional financial management professionals. After years of development of personal finance business in China is gradually maturing, as domestic residents income level increasing awareness and financial management, financial management continue to expandthe size of the market has become an indisputable fact that, in the face of such a huge market demand, the domestic Banks in the process of individual financing businessdevelopment a lot of wealth management products, constantly updating financial products is to achieve financial planning tools, this to meet the customers* financial needs provides important support.In the process of development are still all kinds of problems.The existence of these problems exposed in our personal financial managementbusiness aspects of deficiency, both in terms of risk control and basic problem in thefinancial system internal and external, the existence of these problems will have to let us to personal finance value, based on the research of the problem to take corresponding measures to improve it.Also require our financial planner to tend to specialization, populist, financial product innovation, diversification, help to make scientific financial planning to meet different customer needs. Keywords: Personal financial management business P