发展我国商业银行个人理财业务的思考

与西方商业银行发展迅速的个人理财业务相比，我国商业银行这项业务的发展明显落后，且差距很大。面对当今我国商业银行传统业务风险日趋增大，存贷款利差日趋缩小、外资银行步步进逼的新形势，我国商业银行应当深刻反思其发展滞后的原因，提出切实可行的发展对策。

Consideration on Developing Personal Financing for Commercial Bank

Comparing with the rapid development of personal financing business in the commercial banks of developed countries, this operation in China is obviously backward. Confronted with the circumstance of risk increasing of.traditional business, decreasing of the interest difference between deposit and loan, and the joining of foreign capital banks, Chinese commercial banks should make profound consideration about the reason of their lag-behind, some countermeasures should be proposed for this situation.