摘要：随着我国国民经济的迅猛发展以及向市场经济体制的快速转变，人们生活水平大幅提高，居民经济和社会生活都发生了翻天覆地的变化，除此，又兴起了一项金融业务，那就是个人理财业务。近年来，居民的理财意识逐渐增强，个人理财业务已成为我国商业银行增加利润的核心，银行已将很大一部分精力转到个人理财上面来，个人理财业务的兴起为各商业银行增加了不少收益。本文根据我国商业银行业务现状，并结合我国商业银行在国外个人理财业务中汲取的经验，分析了我国商业银行在个人理财业务上存在的诸多问题，针对性地提出了商业银行拓展个人理财业务的措施和策略。

关键词：    商业银行，个人理财，发展研究

ABSTRACT：With the rapid development of our economy and to the transition of the market economy system, our country economy and great changes have taken place in social life, etc. Among them, the residents' wealth is obtained the development which progresses by leaps and bounds. In recent years, the personal finance business has become the core content of the development of commercial Banks in China, the rapid development of personal financial business, to make the business become the new profit growth point of commercial bank, personal finance business development is an important approach to complete the service function of banking industry in China, and main factors to improve the comprehensive competitiveness of commercial Banks. How to develop commercial bank personal financing business is more important. In this paper, according to the present situation of commercial Banks in China, combining with the experiences of foreign commercial bank in the personal finance business, analyzed the commercial Banks do business of personal financial problems, and puts forward the measures and strategy of commercial Banks to develop personal financial business.

Keyword:    Commercial bank    Personal wealth management service        Development research