摘要：上世纪七十年代以来，受金融创新浪潮冲击，个人理财业务在很多发达国家的商业银行中产生并且迅速发展。目前，我国的个人理财业务正处于起飞阶段，市场前景十分广阔。商业银行为了提高企业竞争力，把个人理财业务作为发展对象。为了更进一步提升个人理财业务，我们应该在吸收国外优秀发展策略精髓下，从我国基本国情出发来发展我国的个人理财业务。本文从介绍商业银行个人理财业务的概念和特点入手，分析了我国商业银行个人理财业务的发展现状，发现在其发展过程中存在的问题，并针对这些问题给出一些合理化的建议，提出切实可行的应对策略。优秀的个人理财业绩有利于完善商业银行内部体制，提升商业银行服务效率和水平；有利于拓展商业银行服务领域，提高商业银行市场竞争力。

关键词 商业银行；个人理财；业务探析

Abstract：Since the 1970 s, the financial innovation tide impact, personal finance business in many of the commercial Banks of developed countries and rapid development. At present, our country's personal financial business is at the take-off stage, the market prospect is very broad. Commercial Banks in order to improve enterprise competitiveness, the personal finance business development as object. In order to further enhance personal financial business, we should be under the essence of absorbing foreign excellent development strategy, starting from the basic national conditions in our country to develop the personal financial management business of our country. This article from the introduction of the concept of commercial bank individual financing business and the characteristic, has analyzed our country commercial bank individual financing business development present situation, found problems in the process of its development, some rationalization proposals are given to solve these problems, put forward the feasible coping strategies. Good personal finance performance is helpful to improve the commercial Banks internal system, enhance the level of commercial bank service efficiency and; To develop commercial bank services, enhance the competitiveness of the commercial bank market

Keywords Commercial   Bank Personal   Business analysis