目    錄

引言 1
一、 我國個人理財?shù)氖袌霈F(xiàn)狀 1
二、 我國個人理財市場拓展的難點 1
（一）個人理財理財觀念淡薄 1
（二）個人理財市場人才嚴重缺乏 2
（三）分業(yè)經(jīng)營是制約我國個人理財市場的拓展 2
（四）理財產(chǎn)品同質(zhì)化現(xiàn)象嚴重且門檻較高 3
三、我國個人理財市場拓展的對策 3
（一）加強理財教育和宣傳力度 3
（二）加大高素質(zhì)理財人才隊伍建設(shè) 3
（三）加快金融業(yè)混業(yè)經(jīng)營步伐 4
（四）加快理財產(chǎn)品的創(chuàng)新 4
結(jié)論  4
參考文獻 5

內(nèi)容摘要
                   
隨著我國經(jīng)濟的發(fā)展，人們的生活水平不斷提高，老百姓手上的閑置資金變得越來越多，理財意識也在不斷增強，居民對個人理財?shù)男枨笤絹碓狡惹?，使得我國個人理財市場獲得了前所未有的發(fā)展。高質(zhì)量的個人理財產(chǎn)品與服務(wù)將成為市場的必然選擇。與此同時，我國的個人理財市場起步較晚，目前的發(fā)展仍然存在著諸多的不足，人才的匱乏、法律和法規(guī)的缺失以及產(chǎn)品的同質(zhì)化等也制約著理財市場的健康發(fā)展。通過比較國內(nèi)外的個人理財市場來找出國內(nèi)外個人理財市場的差異性．試圖從中找出提升國內(nèi)個人理財市場的策略。本文在研究了我國個人理財市場現(xiàn)狀的基礎(chǔ)上，對我國個人理財市場拓展過程中遇到的問題進行分析，并提出了相應(yīng)的建議，希望對我國個人理財?shù)陌l(fā)展有所幫助。

關(guān)鍵詞:個人理財,產(chǎn)品升級,商業(yè)銀行,對策

Abstract

With the development of our national economy, people's living standards improved, the common people on the idle fund becomes more and more, financial management consciousness and the strengthening of residents in personal finance needs more and more urgent, makes our personal finance market won the unprecedented development. The high quality of the personal financial management products and services will be the inevitable choice of the market. At the same time, our personal finance market start later, the current development still exists some shortage, the lack of talent, laws and regulations and the lack of the same kind of product and so on also restricts the healthy development of the financial market. Through the comparison of the personal financial management at home and abroad market both at home and abroad to find out the differences of personal financial market. Try to find out the boost domestic personal finance market strategy. This paper in the study of personal financial market in China on the basis of the current situation of our country's personal finance market development problems encountered in the process of analysis, and put forward the corresponding proposal, the hope of China's personal finance development assistance.