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1、摘要金融体制变革的逐渐加速,我国金融市场也迎来了发展的黄金时期,个人理财业务成为了银行主营收入业务中的新贵,进而受到银行的大力发展,受到的越来越多客户的青睐。由于金融体制变革的加速,所以监管的政策越加严格,市场风险加大从业人员的缺少,个人理财业务的发展进度也将受到阻碍,想要发展个人理财业务必然会招致各种原因的阻碍,所以想要解决个人理财业务发展的问题就要从根本入手,要肯下功夫钻研个人理财业务的发展道路。。Financialsystemreformgraduallyaccelerated,China'sfin
2、ancialmarketsalsousheredinthegoldenperiodofdevelopment,personalfinancebusinessbecometheupstartinthebank'smainbusinessincome,andvigorouslydevelopbybank,favoredbymoreandmorecustomers.Duetotheaccelerationoffinancialsystemreform,soregulatorypolicyincreasingly
3、strict,lackofmarketriskprofessionals,developmentofpersonalfinancialbusinesswillbecomeveryslow,wanttodeveloppersonalfinancialbusinessisboundtocauseavarietyofreasons,sowanttosolvetheproblemofthedevelopmentofthepersonalfinancialmanagementbusinessshall,fromth
4、eperspectiveofthefundamental,totakepainstostudyindividualfinancingbusinessdevelopmentpath.关键词个人理财业务银行存在问题发展目录绪论·······························································1一、个人理财业务的基本内容················································1（一）个人理财业务的分类······
5、···········································2（二）湖北省个人理财业务发展现状·········································2二、个人理财业务现状分析······················································312(一)理财产品的规模不断扩大·············································3(二)理财产品的创新和发展趋向·········
6、··································3(三)理财业务发展的制约因素··············································3三、个人理财业务发展存在的问题················································4（一）理财观念的淡薄······································4（二）理财产品存在的问题··································
7、·············4（三）金融市场的不完善·················································4（四）缺乏高素质的理财人员·············································4（五）银行忽视理财风险管理·············································4四、个人理财业务发展策略分析················································
8、·5（一）政策的调整与模式的转变············································5（二）创新理财产品····················································512（三）对客户进行细分····················································5（四）加强市场的培养·················
