摘要：随着我国经济的飞速发展，人们的生活水平逐渐提升，居民可支配收入逐渐增长，居民的投资意识和理财观念逐步增强，这对商业银行个人理财业务的发展有了更进一步的要求。与先进的西方国家相比，我国商业银行个人理财业务发展相对较晚，现阶段的理财业务不能满足市场的需求，专业化和规范化程度仍待进一步提高，我国商业银行个人理财业务的发展既充满着机遇又充满着挑战，在此环境下，努力推进我国商业银行个人理财业务的发展，既是我国商业银行未来发展的艰巨任务，也是商业银行所要面对的挑战之一。68989

本文在学习国外银行的发展个人理财业务优势的基础上，应用pest分析法对我国商业银行个人理财业务发展的环境进行分析，探求我国商业银行在发展个人理财业务中存在的主要问题，进而对如何进一步推动我国商业银行个人理财业务更好的发展提出相应的意见。

毕业论文关键词：个人理财业务   理财产品   环境分析   服务理念  

Our country commercial bank inpidual financing business development research

Abstract: Along with the rapid development of our country's economy, improve people's quality of life of residents' disposable income increase gradually, the residents' awareness of investment and financial management concept gradually enhanced, the development of the commercial bank personal financing business have further requirements. Compared with the advanced western countries, our country commercial bank inpidual financing business development relatively late, at this stage of the financing business can't meet the demand of the market, the degree of specialization and standardization still to be further improved, our country commercial bank inpidual financing business development is full of opportunities and full of challenge, in this environment, efforts to promote the development of our country commercial bank inpidual financing business, is a difficult task for the future development of China's commercial Banks, is also one of the commercial Banks will face challenges. 

Based on the study of foreign Banks, on the basis of the development of personal finance business advantages, using pest analysis to our country commercial bank inpidual financing business development environment were analyzed, and the exploration of our country commercial bank in the main problems existing in the development of personal finance business, and on how to further promote the development of our country commercial bank inpidual financing business better put forward the corresponding opinions. 

Key Words：Personal financial management business     Wealth management products 

            Environmental analysis                   Service concept 

目录

一、绪论 - 2 -

（一）选题的背景和意义 - 2 -

（二）国内外研究现状 - 3 -

（三）研究思路和创新点 - 4 -

二、商业银行个人理财业务概述 - 4 -

（一）商业银行个人理财业务的概念 - 4 -

（二)商业银行个人理财业务的分类 - 5 -

 (三）商业银行个人理财业务的理论基础 - 6 -

三、国内外商业银行发展个人理财业务的经验借鉴 - 9 -

（一）瑞士银行