摘要：商业银行的个人理财业务是一项专业化程度十分高的金融服务，理财经理需要在收集整理客户的资产、负债等数据，充分了解客户的投资目标的情况下，为客户提供的有关财务分析，并推荐销售投资产品、理财计划等。近年来，我国经济的快速发展，使得人们手中的闲钱增加，同时，由于生活中不确定性的因素增加，人们对个人理财的需求更加旺盛。银行个人理财业务迎来了发展的黄金时期，是一项具有广阔前景的新兴中间业务。本文主要先阐述我国商业银行理财市场的发展历程，并剖析理财市场的现状，接着着重分析了我国商业银行在理财业务中存在的问题，进而与发展最为成熟的美国商业银行理财市场进行对比，针对性地提出了一系列对策，包括鼓励创新，开发理财业务新类型，避免同质化产品；细分目标市场客户，实行差别化服务；规范产品销售行为，提高理财人员综合素质；建立统一公平的监管秩序等来促进我国商业银行理财市场的发展。最后对我国商业银行理财市场的发展前景进行预测。

关键词：商业银行 理财市场 发展 创新

Abstract: Commercial Bank Personal Financial Services is a very high degree of specialization in financial services, wealth managers need data collected clients' assets , liabilities and so on , fully aware of the case of the client's investment objectives , financial analysis related to customers, and recommend the sale of investment products , financial planning. In recent years, the rapid development of China's economy, making it in the hands of spare cash to increase, and because of uncertainty factors in life increases, the demand for personal finance even stronger. Bank Personal Financial Services ushered in the golden period of development, is an emerging middle business has broad prospects. This paper describes the development process of the first commercial banks in China 's financial market and financial market analysis of the status quo , and then analyzes the presence of Chinese commercial banks in financial services in question , and then with the development of U.S. commercial banks most mature financial market comparison, for to put forward a series of measures, including encouraging innovation, developing new types of financial services , to avoid homogeneous products; segmentation target market customers , the implementation of differentiated services ; standardized product sales behavior and improve the overall quality of financial management personnel ; establish a unified and fair supervision order and so to promote the development of China's commercial bank financing market. Finally, the development prospects of China's commercial banks to predict financial markets.

Key words: commercial bank financial market innovation developing