摘要：随着经济发展，我国在一步步成为世界上的经济强国。腾飞的经济让人民的生活水平显著提高，并且，日趋上升的收入也使人们手中的闲钱增多。高薪族则偏向保险保障、多元化投资和财富的保值增值，而对于金融理财产品有更大的需求。如今，证券、房产、基金、股票等金融产品成为大众生活的必需品。近年来，“理财”这个词成为了中国城市流行至极的词汇之一。 本文将对我国银行的个人理财业务的状况及存在问题进行分析，并提出对策与建议。

关键词：经济；个人理财；收入；理财产品

Abstract:With the development of economy, China become one of the economic powers in the world  step by step. The booming economy makes people's life level improved greatly, and they own more money. The people who have high salary prefer to the insurance, different kinds of investment and the increasing the value of wealth. Also, they have greater interest in financial products. Nowadays, secularities, real estate, fund, stock and the other financial products become the necessary of people in the life. In recent years, the word "finance" has become one of the most popular vocabularies in China. This passage will introduce the personal financial business-status in China and analyses the existing problems, then give suggestions and expectation.

Key words： economy；personal investment；revenue；financial products