我国商业银行个人理财业务发展研究——基于供求视角的分析

China commercial bank personal financing business development research——analysis based on supplier's angle

随着我国居民财富的日益增加,居民投资理财需求逐渐增强,商业银行个人理财业务潜在市场巨大。文章从供给与需求的角度分析了我国商业银行个人理财业务开展状况,并根据目前我国商业银行个人理财业务供给中存在的问题,提出应注重产品研发与创新、转变服务理念、强化人才培养等对策建议,以促进我国商业银行个人理财业务的不断完善与发展。

With the increasing of wealth , residents＂ investment demand is gradually increased, there is a a huge potential market of commercial banks personal fi- nancial services.This article analyzes personal finan- cial services development for commercial banks in Chi- na from the perspective of supply and demand, then pro- poses some suggestions according to the existing prob- lems in the supply of personal financial services such as focus on product innovation ,changing the service concept, strengthening the personnel training etc.to promote the constant improvement of personal financial services for commercial banks in China.