摘要：近年来，随着我国国民经济持续快速的发展和居民个人财富的增加，居民理财意识增强理财需求增加，我国商业银行个人理财业务取得了较大发展。然而，在全球商业银行繁荣发展的大环境下，相比国外发达国家，我国商业银行由于经营政策限制、人才稀缺、业务不完善等原因，个人理财业务仍然处于发展初级阶段，因此，进一步完善个人理财业务从而推动我国商业银行全面发展和促进国民经济发展具有重要的理论与实践意义。

　　　本文主要分析了我国商业银行个人理财业务的发展现状和存在的问题，同时借鉴国外发达国家较为成熟和专业的理财业务的经验，为我国商业银行更好地发展个人理财业务提出建议。

关键词：商业银行，个人理财，风险，问题

Abstract:In recent years, with the rapid development of economy and accumulation of citizen’s personal wealth, the demands of personal financial services increased in China and the personal financial services at domestic commercial banks have achieved considerable development. However, in the worldwide range, comparing to developed countries, personal financial services at domestic commercial banks are still remaining at a developing period because of reasons such as restriction of policies, lacking of professionals, immature services. Therefore, promoting further improvements and expansions of personal financial services to stimulate the development of domestic commercial banks and national economy has theoretic and practical significance.

　　　This essay analyzed status quo and problems of managing personal financial services at domestic commercial banks; meanwhile, it proposed solutions and suggestions for current problems and risks based on the experience of foreign countries.

Key words: commercial bank, personal financial service, problem, solution