目 录摘要........................................................................1关键词......................................................................1引言（前言）................................................................21. 个人理财业务的基本概念...................................................21.1 个人理财业务的定义......................................................21.2 个人理财业务内容........................................................22. 个人理财业务发展现状.....................................................22.1 个人理财业务宏观环境分析................................................22.2 个人理财业务发展状况....................................................33. 个人理财业务发展中存在的问题............................................43.1 客观环境的制约..........................................................43.2 不完善的公民信用评估体系................................................43.3 金融业的商业模式放慢了个人理财的步伐....................................43.4 缺少客户资源合理化支持...................................................53.5 居民个人理财意识不强....................................................54. 个人理财业务存在问题的原因分析..........................................54.1 产品类型相对单一，缺乏个性化............................................54.2 相关行业规范的缺失......................................................54.3 理财产品披露的风险不足..................................................64.4 理财顾问的素质不能满足理财产品开发和营销的需求..........................65. 个人理财业务发展的对策..................................................65.1 创新理财产品，培育品牌内涵..............................................65.2 引入新的财务政策并合理化混合运营........................................75.3 建立客户信息数据库系统...................................................75.4 培养人才团队，提高员工整体素质..........................................85.5 建立风险管理体系，完善信息披露机制.........
