【正文】 business, and investment management consulting, tax planning and other business. On the Commercial Bank of our country, despite having outlets, humane, customers, capital and other advantages, but in the highend customer management business strategy, product, still exist, talent, innovation and other aspects of the larger gap. China39。s banks to develop the personal financial management business, needs according to their own conditions, to formulate appropriate development path.Developing practical personal financial business development strategy and business system. Commercial banks should take the development of personal financial business as the focus of business development, in all respects to give policy to tilt, take active and effective measures to develop the personal financial management business, it is to vigorously develop the personal financial management business premise and the important guarantee. Secondly, a mercial bank shall establish hightech financial service system. In the service channels, financial transactions, products and services, the backstage account, customer relationship management and many other aspects to strengthen the application of information technology, hightech means to reduce the operation cost, hightech means to meet customer demand for multilevel, hightech means to enhance the risk management ability, get rid of dependence of physical network and the increase in the number of personnel to the traditional development of financial business mode.Develop to adapt to market changes, customer development strategy. In the petitive market, no customer no business, to win new customers, retain old customers strategy is very important. With the general banking business, financial business emphasize differences and individual, individual customer service cost is higher, so the products and services must be set the threshold requirements, in order to realize cost and ine balance. Such as Merrill Lynch to private banking clients standard minimum requirement is 1000000dollars in financial assets, . Morgan and Goldman requirement is 5000000dollars, Citibank and HSBC Bank ( Asia) is $3000000. For China39。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。s specific situation indepth analysis, according to the customer39。s risk preference, age, the purpose of investment and the amount of size, designed to meet the needs of customers service plan, actively to clients wealth management, raise capital to use benefit, realize customer money the value of.Training to provide prehensive financial services professional financial personnel. Customer demand for financial service with personalized, prehensive characteristics, therefore, the bank customer manager must be proficient in banking, finance, tax and estate planning, legal and accounting field of posite type expert personnel, and has rich experience. For example, the British bank Barclays private bank customer manager. With more than 15 years of experience, experienced economic cycle. For China39。s banks, must as soon as possible training qualified for financial service professionals, equipped with certification, through the relevant personal financial center and a corresponding background support, to ensure the financial service quality.To increase the pace of financial innovation. At present, in the market fashionable Chinese banks financial products are mostly from foreign banks copy and to import. In addition, in the more plex structured products, Chinesefunded banks have also mostly adopts this approach: the Chinesefunded mercial banks and foreign banks to issue financial products, signed a cooperation agreement, will raise funds to hand over by the foreign capital bank operating profit. At present, the French Paris bank, Societe Generale Bank, Deutsche Bank, and JP Morgan chase bank is a bank as their customers, to sell the bulk of foreign exchange financial products. This approach is the consequence of, while Chinese banks can get about 1 percentage points of return, however, the banks usually can get4 points profit. Therefore, if there is no strong financial innovation, our bank will defeat in petition. Actively carry out the financial innovation, we need not only the modeling, design, appearance and other aspects of the patent of invention, more needs in product design, services, increase strength, to apply for a patent.附錄二展望我國個(gè)人理財(cái)業(yè)務(wù)發(fā)展2006年年底，我國銀行業(yè)全面開放后，拿到牌照的外資銀行迅速在國內(nèi)幾個(gè)重點(diǎn)城市落子布局，伴隨著營業(yè)網(wǎng)點(diǎn)的建立，個(gè)人理財(cái)業(yè)務(wù)的競爭迅速升溫。如近日，花旗銀行在濱海新區(qū)正式啟動(dòng)了一家新的個(gè)人零售銀行網(wǎng)點(diǎn)，這也是花旗在國內(nèi)開設(shè)的第十五家零售網(wǎng)點(diǎn)。據(jù)花旗銀行有關(guān)人士介紹，該行天津?yàn)I海支行現(xiàn)有9名訓(xùn)練有素、經(jīng)驗(yàn)豐富的理財(cái)專員和貴賓理財(cái)經(jīng)理，能為市民提供國際一流品質(zhì)的全方位金融服務(wù)。隨后一周內(nèi)，招商銀行天津分行西康路支行“金葵花理財(cái)中心”開業(yè)，該網(wǎng)點(diǎn)是天津地區(qū)首家“金葵花理財(cái)中心”。個(gè)人理財(cái)業(yè)務(wù)已經(jīng)成為中外銀行競爭的焦點(diǎn)。對于我國的銀行業(yè)來說，個(gè)人理財(cái)既是一個(gè)充滿吸引力和巨大商機(jī)的市場，也是一個(gè)將要面臨激烈市場競爭和巨大挑戰(zhàn)的市場?！　∫?、個(gè)人理財(cái)業(yè)務(wù)發(fā)展的驅(qū)動(dòng)力個(gè)人理財(cái)服務(wù)是金融機(jī)構(gòu)利用其產(chǎn)品、信息、投資等方面的優(yōu)勢，以個(gè)人客戶為服務(wù)對象，為其提供投資理財(cái)、資金融通、信息咨詢、理財(cái)咨詢等全方位的綜合性金融服務(wù)，使個(gè)人能更好地確定自己的階段性生活與投資目標(biāo)，實(shí)現(xiàn)個(gè)人資產(chǎn)收益最大化，提高消費(fèi)水平和生活質(zhì)量。一般的，個(gè)人理財(cái)由現(xiàn)金管理、資產(chǎn)管理、保險(xiǎn)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。中外資銀行之所以集中于個(gè)人理財(cái)業(yè)務(wù)率先展開激烈的競爭，是因?yàn)閭€(gè)人理財(cái)業(yè)務(wù)是一個(gè)充滿吸引力和巨大商機(jī)的市場。個(gè)人理財(cái)業(yè)務(wù)的發(fā)展，面臨著良好的外部環(huán)境和金融機(jī)構(gòu)轉(zhuǎn)型發(fā)展的需要等多種驅(qū)動(dòng)力。居民財(cái)富的快速增加為理財(cái)業(yè)務(wù)帶來巨大的發(fā)展空間。隨著國民經(jīng)濟(jì)持續(xù)穩(wěn)定的增長，以及收入分配制度的改革，居民收入不斷上升，個(gè)人財(cái)富不斷積累。最突出的表現(xiàn)是，居民儲蓄存款從改革開放初期的200多億元開始一路攀升，到2006年12月末已超過16萬億元，平均每年增長20％以上。如此龐大的儲蓄存款市場為個(gè)人理財(cái)業(yè)務(wù)發(fā)展提供了廣闊的空間。另根據(jù)央行發(fā)布的2006年第四季度全國城鎮(zhèn)儲戶問卷調(diào)查結(jié)果，居民家庭擁有的金融資產(chǎn)結(jié)構(gòu)發(fā)生變化，基金成為居民家庭除儲蓄存款外擁有最多的金融資產(chǎn)。在如何支出中，選擇“購買股票和基金”的人數(shù)占比達(dá)18．5％，躍升至歷史最高。調(diào)查顯示，我國居民的理財(cái)需求快速增加。居民收入的分化