摘要:由于我国快速增长的国民经济和不断增加的个人财富，居民对商业银行业务的要求也日益增高。商业银行个人理财业务的发展，符合我国金融发展的要求，作用越来越大，也备受关注和研究。本文首先介绍了与个人理财业务相关的基础知识理论，主要包括我国商业银行个人理财业务发展现状，理财产品的分类以及开展个人理财业务的必要性等。细致分析了我国商业银行个人理财业务在目前发展的各方面的情况，认为我国商业银行个人理财业务目前仍处于发展的初级段。针对这个状况，本文又详细介绍了我国商业银行的理财产品，以及特点和风险。通过对我国商业银行个人理财业务的相关现状及基础知识的介绍，本文重点分析了我国商业银行个人理财业务发展过程中从业人员素质低、产品单一、服务体系不健全等多方面限制因素以及解决措施。

关键词 ：商业银行；个人理财业务；发展；策略

ABSTRACT:With the rapid development of the economy of our country, the disposable wealth of citizens continues increasing. To maintain and increase the value of the wealth have become an urgent need of the citizens, which brings in a grant market potential to the development of commercial banks in our country . This paper first introduces the basics of theory of personal finance services, the classification of financial products, and the need for commercial banks to carry out the personal financial services, etc. In this chapter, the paper analyzes meticulously all aspects of the current development of China's commercial bank personal financial services. At the same time, personal financial services of Chinese commercial banks is in the early stages of development and commercial banks sell mainly financial products. In this situation, the paper describes the variety of financial products in China and its main features, risks, and appropriate groups. This paper focuses on that a separate operation, the service system is not perfect, and many other limiting factors that encountered in the development process of commercial banks personal financial services by asymmetric information theory, and points that these factors impact on personal finance and business development. 

Key words：commercial bank； personal finance business； development ； strategy