我国作为世界上最大的发展中国家，但是经济发展水平仍然偏低，尤其的对于中间的业务发展上，外资的银行理财中心纷纷的登陆我国的市场，期望通过金融理财的业务来吸引优质的高端客户，来扩大市场的份额，因此，个人理财产品业务成为了国内外银行的角逐焦点。目前我国的个人理财产品业务水平普遍的不高，但用发展的眼光来看，随着我国国家政策的大力扶持和人民群众的素质不断提高以及逐渐的扩大市场需求，商业银行个人理财产品业务具有十分丰富的发展潜力。
关键词： 理财；金融；国家政策；潜力
China as the world’s largest developing country, but the level of economic development is still low, financial main less competitive, the financial system is still fragile. Since the stock market since the continuous influx of foreign banks, not only to China’s banking sector advanced management methods, but also brought great pressure. Especially for the development of intermediary business, the financial center of the foreign banks have landed in China’s market, expect to attract high-quality high-end customers, expand market share through the Financial Services, Personal Financial Services to become the focus of contention of the domestic and foreign banks. The current level of China’s wealth management business is generally not high, but with the development point of view, with the strong support of national policy, continuously improving the quality of the masses, and gradually expand the market demand, bank wealth management business has a very rich potential for development.
Key words：Financial management; Finance; National policy; potential
目 录
Abstract……………………………………………………….. II
（一）理财业务的背景分析………………………………………. 1
（二）本文的研究意义………………………………………….. 2
二、国内外银行个人理财产品发展现状的比较……………………………. 2
（一）我国商业银行个人理财产品发展现状………………………….. 2
（二） 国外商业银行个人理财产品发展现状…………………………. 3
（三）国内外商业银行个人理财产品发展的对比分析…………………… 3
三、我国商业银行个人理财产品发展存在的问题………………………….. 3
（一）商业银行外部制约因素…………………………………….. 3
（二）个人理财产品创新不足，理财业务层次低………………………. 4
（三）市场推广和开拓不力………………………………………. 4
四、国内商业银行个人理财产品的发展对策……………………………… 5
（四）健全个人理财产品业务的组织体系……………………………. 6
