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近年来,我国的国民经济保持着良好的发展状态,人民的收入水平也在不断提高。商业银行的个人理财业务不仅成为了银行利润增长的重要手段,也逐渐成为我国居民管理财产收入的重要方式。但是,在各家商业银行火热地开展其理财业务的过程中,也不可避免的产生各种问题,这些问题在一定程度上又限制了商业银行的个人理财业务的拓展。因此,文章认为应该在分析这些问题的基础之上,有针对性地完善我国商业银行的个人理财业务的监督和管理。
In recent years, the national economy of our country has maintained a sound development state and the income level of the people is also constantly rising. The personal finance business of commercial banks not only has become an important means of bank profit growth, but also gradually becomes an important way for Chinese residents to manage their property income. However, various commercial banks inevitably generate various problems during the fiery development of their wealth management businesses, which to a certain extent restrict the expansion of commercial banks’ personal wealth management services. Therefore, the article thinks that on the basis of analyzing these problems, we should improve the supervision and management of the personal finance business of commercial banks in our country.