摘要:个人理财业务现在已经成为全国乃至世界各大银行的一项主要业务。在巨大的市场需求和机遇面前，包括银行在内的各种金融机构纷纷挖掘自身潜力和优势，加大科技投入，建立个人理财平台，积极抢占个人理财市场，使个人理财的市场竞争日趋激烈。在西方国家，个人理财业务以其批量大、风险低、业务范围广、经营收益稳定等优势在商业银行业务发展中占据重要位置。随着中国经济的发展与社会的进步，个人财富不断增长并且呈现出集中趋势，人们对于个人财富的态度、观念和处理方式与过去相比发生了很大的变化，个人理财逐渐成为人们关注的焦点。因此大力开展个人理财业务，创造出银行新的利润增长点，最大程度地缩小与西方发达国家商业银行之间的差距，已成为我国商业银行面临的迫切任务。

　　　论文以经济学和商业银行经营学的理论为基础，首先对中信银行个人理财业务的发展背景进行阐述，一方面指明个人理财业务是市场竞争的结果，另一方面指出个人理财业务是商业银行发展的关键；其次，概述中信银行个人理财业务的理论支持，主要运用金融创新理论和商业银行经营理论来阐述；再者，通过对客户进行了大范围的调研，这些客户含盖了不同学历、年龄、职业以及不同收入的社会阶层，具有一定的代表性，从而分析了客户的真实需求情况，同时了解了客户现阶段金融投资理财情况，包括选择银行方面侧重的内容、客户现有的理财工具、客户希望理财中心提供的投资服务项目以及对收费的态度；然后指出当前中信银行个人理财业务发展存在的主要问题。在本文中，通过将中信银行和其他银行进行对比发现其特色，对客户的反馈进行分析研究其存在的问题，并对增强中信银行个人理财业务发展提出策略。

关键词  中信银行；个人理财业务；理财产品

Abstract:Personal Financial Services has now become a major business in the country and the world's major banks. In the huge market demand and opportunities in front of a variety of financial institutions, including banks, have to tap their own potential and advantages, increase investment in science and technology, personal finance platform to actively seize the personal finance market, personal finance increasingly competitive market. In Western countries, Personal Financial Services, its bulk, low-risk, a wide range of business, stable operating income and other advantages to occupy an important place in the development of commercial banking. With China's economic development and social progress, personal wealth growing and showing a central tendency, attitude toward personal wealth, ideas and approach than in the past occurred great changes, personal finance gradually become the focus. Vigorously carry out the Personal Financial Services, to create a bank of new profit growth point, the gap between the narrow and Western developed countries, commercial banks, has become an urgent task facing China's commercial banks.

　　　Paper-based theories of economics and operations of commercial banks, first described the background of the development of the China CITIC Bank Personal Financial Services, on the one hand, specified in Personal Financial Services is the result of market competition, on the other hand, pointed out that the Personal Financial Services is a commercial bank development the key; Second, the overview of the CITIC Bank Personal Financial Services theoretical support management theory to explain the use of the theory of financial innovation and commercial banks; Furthermore, the investigation of a wide range of customers, these customers covers a different education, age , occupation, and different income segments of society, has some representation to analyze the real needs of customers, and we understand the financial situation of customer financial investment at this stage, the focus of banks, including the choice of the customer's existing financial tools, the customers want wealth management centers to provide investment services and fees attitude; then pointed out that the main problems of the CITIC Bank Personal Financial Services business development, In this article, by CITIC Bank and other banks to compare their features found on analysis of customer feedback for its problems, and enhance the development of China CITIC Bank made ​​personal financial services strategy.

Keywords  CITIC Bank  Personal Financial Services  Financial Produces