我国商业银行个人理财业务探析

个人理财业务为商业银行带来新的利润增长点，有利于改善商业银行资产负债结构发展个人理财业务是更好应对外资银行进入挑战的必然选择。我国商业银行发展个人理财业务必须加强对居民理财意识的教育，加快差异化产品和服务的开发，加强客户经理队伍建设，切实提高营销水平，缺乏严谨、高效的业务管理机制，给予个人理财业务政策扶持，建立个人信用体系。

On Personal Financial Services in Chinese Commercial Banks

The program of personal financial services has brought new profit to commercial banks and helps improve the structure of assets and liabilities of commercial banks. Developing the services is inevitable as it will help deal with the challenges brought about by the access to foreignfunded banks. To develop the business, China＇s commercial banks need to educate their residents, strengthen their personal financial management consciousness, speed up the differentiation of products and services, possess more qualified client managers, and effectively improve the marketing level.