论我国商业银行个人理财业务的现状与发展

摘要：个人理财业务作为一项新兴的低风险、低成本、高收益的中间业务，它不仅可以增加银行的中间业务收入，带动银行零售业务的整体发展，而且还可以为银行带来大量的本外币存款的资金沉淀。我国商业银行经过这些年的努力，个人理财业务已经有了较大的发展。为研究和探索我国商业银行个人理财业务整体发展战略实现的有效途径，本文分析了我国商业银行个人理财发展的现状，剖析了目前工作中存在的问题，试探着找出解决问题的有效办法。希望本文的研究方法和观点对我国商业银行个人理财业务的下一步发展有所借鉴。

关键字：商业银行；个人理财；风险控制；产品创新

Abstract： Personal Financial Services as an emerging low-risk， low cost， high yield in the middle of the business， it can not only increase the bank's intermediary business revenue to drive the overall development of the retail banking business， but also that banks bring a lot of thisprecipitation of foreign currency deposits of funds. Commercial banks in China， after years of hard work， personal finance business has been greatly developed. This paper analyzes the development status of China's Commercial Banks' Wealth， analyze the problems currently exist in the work for research and to explore effective ways to realize the overall development strategy of China's Commercial Bank Personal Financial Services， effective way to find solutions to problems. A reference for the research methods and perspectives for the next step in the development of China's Commercial Bank Personal Financial Services.

Keywords：Commercial banks； personal finance； risk control； product innovation

 

 

 

 

 

 

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