理财业务是指金融机构为投资人(自然人或机构)提供的财务分析、财务规划、投资顾问、资产管理等专业化服务活动。伴随我国国民经济持续快速增长,城乡贫富差距不断拉大,财富呈现集中发展的趋势,同时金融产品及金融工具的不断丰富,城市居民特别是大中城市居民理财业务需求日益增? Money management services refer to the specialized service activities provided by financial institutions to investors (natural persons or institutions) such as financial analysis, financial planning, investment advisors and asset management. With the sustained and rapid growth of our national economy, the gap between rich and poor in urban and rural areas continues to widen. Wealth shows a tendency of concentrated development. At the same time, financial products and financial instruments are continuously enriched. The demand for wealth management services for urban residents, especially in large and medium-sized cities, is on the rise.