I山东交通学院毕业论文（设计）摘 要随着我国经济发展趋势持续总高，在这一大环境下公民的收入和物价水平也持续走高，公民的理财意识的进一步增强，个人理财业务在我国蓬勃发展起来，各家商业银行将个人理财列为未来重点发展的业务。但是由于外部环境和商业银行内部等层面的种种原因，我国商业银行的个人理财业务存在了一定的问题，如何解决这些问题使得个人理财业务在我国的发展更上一层楼是我们接下来要探讨的重点内容。本文分为四个部分，第一部分主要概述了我国商业银行个人理财业务的含义和阐述了个人理财业务的重要性。第二部分对商业银行个人理财业务的发展概述进行了分析，产品规模和风险越来越大以及监管重点发生变化。第三部分从外部和内部两个角度分析了商业银行个人理财业务存在的问题。第四部分是根据存在的问题一一对应提出了解决措施并结合我国经济发展进程的实际情况提出有利于我国个人理财业务发展的若干有利建议。 关键词：商业银行，个人理财业务，金融市场 II李梦迪：我国商业银行个人理财业务存在的问题及对策研究 III山东交通学院毕业论文（设计）AbstractAs China's economic development trend continues to be high, under this general environment, citizens 'income and price levels continue to rise, citizens' awareness of financial management is further enhanced, and personal financial management business is booming in China. Listed as the key development business in the future. However, due to various reasons such as external environment and the internal level of commercial banks, there are certain problems in the personal wealth management business of China's commercial banks. How to solve these problems will make the development of personal wealth management business in China a higher level. We will discuss next Key content. This article is divided into four parts. The first part mainly outlines the meaning of the personal wealth management business of China's commercial banks and explains the importance of the personal wealth management business; the second part analyzes the dev...
