【正文】 居民財富的快速增加為理財業(yè)務(wù)帶來巨大的發(fā)展空間。s noninterest revenue basically stable at around 43%, the European Banking noninterest ine in1998operating ine proportion has reached41%,2005non interest ine average proportion further rises to %. Rapid development of China s capital markets will also is our country mercial bank development challenges, profits from the overseas mercial bank experience, improve the ine structure, reduce the risk of loans, also need to develop the personal financial management business.In two, China39。（五）加大理財市場的培育理財教育的落后是我國居民理財意識淡薄，理財觀念落后的主要原因。第一，培養(yǎng)理財人員素質(zhì)。第二，要確保個人理財業(yè)務(wù)內(nèi)容充實，提供更為科學(xué)的理財理念。我國商業(yè)銀行實行混業(yè)經(jīng)營既是適應(yīng)金融國際化、應(yīng)對外資銀行的挑戰(zhàn)，也是擴(kuò)展自身業(yè)務(wù)的需要。而我國商業(yè)銀行在個人理財服務(wù)中對客戶細(xì)分策略、量體裁及的產(chǎn)品設(shè)計方面做得還不夠，如中國銀行對個人客戶僅根據(jù)其綜合金融資產(chǎn)余額來進(jìn)行劃分，并沒有將客戶的職業(yè)、年齡、性格、金融產(chǎn)品需求考慮，這樣設(shè)計出來的理財產(chǎn)品自然缺乏個性、不具吸引力。我國的理財中介機(jī)構(gòu)主要有銀行、證券公司、保險公司、信托機(jī)構(gòu)和基金公司等。與此同時，個人高端客戶資產(chǎn)保值增值愿望強(qiáng)烈，投資需求旺盛。商業(yè)銀行在向客戶提供理財顧問服務(wù)的基礎(chǔ)上，接受客戶的委托和授權(quán)，按照與客戶事先約定的投資計劃和方式進(jìn)行投資和資產(chǎn)管理。我國銀行業(yè)個人理財產(chǎn)品開展時間不長，但發(fā)展非?？?。從2005年起，個人理財規(guī)劃師的出現(xiàn)標(biāo)志著我國商業(yè)銀行個人理財業(yè)務(wù)進(jìn)入綜合開拓階段。關(guān)鍵詞 個人理財業(yè)務(wù)；商業(yè)銀行；存在的問題；對策Abstract Abstract The law application of medical treatment trouble indemnity dispute case differs in judicial operation standard. Some similar cases may conclude very differently , among such cases most of them belong to spirit indemnity and death indemnity cases. This paper points out The Civil Law General Rule should be applied in medical treatment trouble indemnity if one39。主要內(nèi)容：通過概述我國商業(yè)銀行個人理財業(yè)務(wù)現(xiàn)狀和發(fā)展個人理財業(yè)務(wù)的意義，詳盡分析當(dāng)前我國商業(yè)銀行個人理財業(yè)務(wù)存在的問題，從而對問題的根源進(jìn)行深入的剖析，為推進(jìn)我國商業(yè)銀行個人理財業(yè)務(wù)的進(jìn)一步發(fā)展提供對策。個人理財業(yè)務(wù)被銀行看作是取之不盡的“金礦”,美國私人銀行過去幾年里個人理財業(yè)務(wù)每年的平均利潤率高達(dá)35%,年平均贏利增長12% 15%。目前的理財產(chǎn)品也由單一固定型收益向高風(fēng)險高收益的理財產(chǎn)品轉(zhuǎn)變，可以分為：證券類理財產(chǎn)品，新一代的QDII理財產(chǎn)品，結(jié)構(gòu)性人民幣理財產(chǎn)品，更好的結(jié)合了市場。理財顧問在客戶需要進(jìn)行融資時提供的融資建議。主要業(yè)務(wù)有：代理保險業(yè)務(wù)、代理基金業(yè)務(wù)、以銀行卡為載體的業(yè)務(wù)。（二）個人理財業(yè)務(wù)供給狀況1．基本理財產(chǎn)品隨著我國金融市場的不斷發(fā)展，可供個人選擇的理財產(chǎn)品越來越多。而現(xiàn)有銀行理財產(chǎn)品又大都集中在個人信貸、代收代付、信息服務(wù)等基礎(chǔ)性理財產(chǎn)品上， 雖然理財品種不斷增加， 各商業(yè)銀行都有各自不同的理財品牌，但是多數(shù)個人理財品種內(nèi)容相近、投資品種有限(以央行票據(jù)、國債、和短期融資券等為主)、收益和投資期限相近，產(chǎn)品創(chuàng)新的廣度和深度遠(yuǎn)遠(yuǎn)不能滿足不同客戶的個性化需求。我國銀行作為個人理財主要提供者的條件下，應(yīng)該通過銀行設(shè)立基金管理公司，或者銀行與基金公司組成戰(zhàn)略聯(lián)盟，打通銀行進(jìn)入證券、基金市場的障礙，擴(kuò)大銀行的投資范圍。因此，有針對性的提供個人理財業(yè)務(wù)方案具有十分現(xiàn)實的可操作性。第一層是高端市場，即按照“二八”原則能為銀行帶來高回報的優(yōu)質(zhì)客戶；第二層是中端市場，即個人金融資產(chǎn)在520萬元的客戶，其數(shù)量眾多，集合效益明顯，是我國商業(yè)銀行個人理財服務(wù)開發(fā)的主要層面。由于客戶經(jīng)理所從事的是具有一定風(fēng)險、富有挑戰(zhàn)性的工作，因此應(yīng)當(dāng)充分體現(xiàn)責(zé)任與所得對等的原則，建立相應(yīng)的激勵與約束機(jī)制。s banking industry, the personal financial management is a very attractive market and tremendous business opportunities, but also a will face the fierce market petition and the challenge of the market.One, the driving force for the development of personal financial businessPersonal financial services institutions to use its products, information, investment and other aspects of the advantages, to serve customers, to provide investment, financing, consulting, financial advisory and other allround prehensive financial services, to enable individuals to better identify their stage of life and investment objectives, implementation personal assets to maximize returns, improve the level of consumption and quality of life. In general, personal finance by cash management, asset management, insurance, loans, real estate investment, retirement planning, tax planning and other parts.Foreign banks has focused on the personal financial management business to fierce petition, because of the personal financial management business is a very attractive market and tremendous business opportunities. The development of personal financial business, face the good external environment and the restructuring of financial institutions need to develop a variety of driving force.Wealth increased rapidly as the financial services of enormous space for development. With the sustained and stable growth, and the reform of ine allocation system, dweller ine rises ceaselessly, personal wealth accumulation. The most prominent manifestation is, savings deposits of residents from the reform and opening up $about 20000000000 to start climbing, to12 at the end of 2006already exceeded16 yuan, an average annual growth of more than 20%. Such a huge savings market for personal financial business development to provide vast space. According to the central bank issued in 2006 fourth quarters of urban depositors nationwide survey, households with financial assets structure changes, the fund became household savings and foreign except has the largest financial assets. In how to spend, choose to buy stocks and funds accounted for % of the number of, jumped to the highest. Investigation shows, our country the financial needs of the residents increased rapidly.Dweller ine differentiation, enrich the connotation of personal financial business. In the wealth of residents overall rise at the same time, the ine differentiation in promoting the rich and middle class gradually rise. Rich people according to Merrill Lynch group definition, is one that has millions of dollars in financial assets, the pany released the2005annual Global Wealth Report shows that in 2005China 39。一般的，個人理財由現(xiàn)金管理、資產(chǎn)管理、保險規(guī)劃、貸款、房地產(chǎn)投資、退休規(guī)劃、稅務(wù)規(guī)劃等部分構(gòu)成。如此龐大的儲蓄存款市場為個人理財業(yè)務(wù)發(fā)展提供了廣闊的空間。s banks, the need for financial service characteristic, find suitable, to adapt to market changes, customer development strategy.Design to meet customer demand for prehensive financial services products. At present the domestic banking financial services are usually sell to customers a variety of standard financial products, also can according to the needs of individual customers to provide targeted financial plan. Along with our country the ceaseless development of highend customers, customers personalized service the requirements of increasingly high. The bank must subdivide the market and the customers, a prehensive understanding of customer demand for personalized, for each customer39。在國外小孩在上小學(xué)時就受到理財課程的教育，從小就形成了理財?shù)囊庾R。當(dāng)前，首先要制定系統(tǒng)的理財人員培訓(xùn)計劃，精心挑選具備一定金融專業(yè)知識、懂得營銷技巧、通曉客戶心理的優(yōu)秀員工作為理財候選人才，同時加強(qiáng)與證券、保險等行業(yè)建立橫向聯(lián)合培訓(xùn)機(jī)制。因此，個人理財業(yè)務(wù)將不再是簡單的為客戶提供單一的儲蓄或者國債咨詢，而是真正的使客戶資產(chǎn)得到科學(xué)理財，最大化的客戶資產(chǎn)得到保值和增值。個人理財業(yè)務(wù)的積極創(chuàng)新，對于商業(yè)銀行競爭優(yōu)勢的培育具有極為重要的作用。國外銀行只要個人告訴其財產(chǎn)狀況、預(yù)期目標(biāo)和風(fēng)險能力，就能量身定制理財方案，并代理操作。保險公司的理財服務(wù)主要體現(xiàn)在其產(chǎn)品上，現(xiàn)有保險公司的理財產(chǎn)品主要為紅利險、萬能險和投資連結(jié)保險。隨著金融產(chǎn)品的不斷創(chuàng)新，股票、基金、金融衍生產(chǎn)品、保險、等新的金融產(chǎn)品的不斷涌現(xiàn)，客