【正文】 居民收入的分化，豐富。在如何支出中，選擇“購買股票和基金”的人數(shù)占比達18．5％，躍升至歷史最高。如此龐大的儲蓄存款市場為個人理財業(yè)務發(fā)展提供了廣闊的空間。隨著國民經濟持續(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，個人財富不斷積累。個人理財業(yè)務的發(fā)展，面臨著良好的外部環(huán)境和金融機構轉型發(fā)展的需要等多種驅動力。一般的，個人理財由現(xiàn)金管理、資產管理、保險規(guī)劃、貸款、房地產投資、退休規(guī)劃、稅務規(guī)劃等部分構成。對于我國的銀行業(yè)來說，個人理財既是一個充滿吸引力和巨大商機的市場，也是一個將要面臨激烈市場競爭和巨大挑戰(zhàn)的市場。隨后一周內，招商銀行天津分行西康路支行“金葵花理財中心”開業(yè)，該網點是天津地區(qū)首家“金葵花理財中心”。如近日，花旗銀行在濱海新區(qū)正式啟動了一家新的個人零售銀行網點，這也是花旗在國內開設的第十五家零售網點。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, 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 banking financial business development path choicePersonal financial services is a kind of prehensive financial service, often need to concentrate a large number of different financial services products, such as retail banking, mortgage loan, check, insurance panies of various insurance products, the trust pany trust products, retail brokerage 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。 and the rich and middle class investment motivation and valueadded demand strong tendency, wealth management and other aspects of the products and services, such as the bank according to the customer needs to provide personalized, diversity of personal financial services to create the objective condition.The fast development of the capital market to mercial banks in financial business area to find a new source of profit. In the nineteen eighties began, developed directly the fast development of financial market, fund supply and demand both sides no longer focused on financial intermediary and directly on the bond and stock market for financing, mercial banks on deposit interest survival models are a great impact. Financial disintermediation forced mercial banks to seek for the new profit pattern, and other financial institutions through petition, to develop noninterest ine business to seek a breakthrough, these include account management, trust services, financial transactions, asset securitization, investment banks, insurance and fund etc.. At present, foreign banks in the United States revenue structure, mercial bank39。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