我国商业银行个人理财业务发展和对策

摘要：改革开放40年经济的高速增长给国民个人理财带来了高速发展的契机。然而，现阶段个人理财的发展总是受限于各种因素：比如商业银行理财经营模式的局限，经验的欠缺以及商业银行个人理财业务的市场定位模糊; 同时，银行间竞争激烈，产品同质化现象严重;高素质理财人员匮乏同时产品营销模式不够科学。要解决这些问题，商业银行要实行混业经营的模式以消除目前这种模式对理财的限制，提高银行客户个人风险意识，培养高素质理财人员并改变营销方式以推动我国商业银行个人理财业务的不断发展。

关键词：个人理财；商业银行；发展中的问题；解决方案

Abstract：The rapid economic growth in the 40 years of reform and opening up has brought about an opportunity for rapid development of national personal finance. However, the development of personal finance at this stage is always limited by various factors: such as the limitations of the commercial bank's wealth management model, the lack of experience and the vague market positioning of commercial banks' personal wealth management business; At the meantime, the competition between banks is fierce, the homogenization of products is serious; the lack of high-quality financial managers and the lack of scientific product marketing model. To solve these problems, commercial banks should adopt the mode of mixed operation to eliminate the restriction of separate operation on personal financial services, clarify the market position, enhance the innovative consciousness of personal financial services, train high-quality financial personnel and change marketing methods to promote the continuous development of personal financial services in this country.目  录

一、引言1

二、商业银行个人理财业务概述1

    （一）改革40年来个人理财史的发展. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

（二）商业银行个人理财业务内涵1

（三）我国个人理财市场的特点2

1.信托贷款类产品成为理财市场的主导2

2.产品预期年化收益率更趋规范合理2

3.理财业务分层服务体系逐步构建3

三、我国商业银行个人理财业务发展存在的主要问题3

（一）信托理财集合资金用于贷款可能引发潜在风险及案例3

（二）“以客户为中心”经营模式尚未明确3

（三）银行理财思路倒置及案例6

（四）互联网理财产品的强烈冲击6

四、我国商业银行个人理财业务发展的对策建议7

（一）大力改善宏观外部条件7

1.发挥理财业务对银行经营转型的重要作用7

2.建立健全理财业务风险管理体系7

（二）商业银行提高自身个人理财业务发展水平8

1.渠拓宽销售渠道8

2.实施品牌策略8

3.加强科技信息系统支持9

参考文献10