内容摘要最近几年以来,中国经济连续保持快速稳健的发展态势,居民收入有了较快的增长,居民的金融意识也在不断的增强,我国的各大银行也纷纷推出了理财业务,在全国范围内也掀起了一阵理财热潮,国内的发展个人理财业务被越来越多的人所看好,虽然还处于刚刚开始的阶段,但是具有巨大的发展生命力。本文主要以中国建设银行个人理财业务为例,从组织结构分析、产品和服务、采用的模式和建立的流程等方面,揭示中国建设银行现阶段在个人理财业务方面存在的问题。原因在于,财务管理组织结构中的前端业务分割没有与后台集成、“封闭式”财务管理模式使财富管理产品的需求和供给不一致、没有过于完整的财富管理产品的风险梯度,没有与财富管理业务的规模小、品种少、层次低等理财产品特点相结合等等。在此基础上,提出了相应的解决方案,如在财务管理组织结构中建立改革机制,加强自主创新和资助研发能力,提高产品设计机制和丰富产品种类,形成商业模式的“开放”转型;,制定多种营销形式的理财市场,并指明了建行的个人理财业务的发展方向。关键词:个人理财,业务问题,中国建设银行AbstractPersonalwealthmanagementbusinesshasbeenslowlyoptimisticinthedomesticdevelopmentinrecentyears.Althoughitisstillinitsinfancy,ithastremendousdevelopmentvitality.ThispapermainlytakesChinaConstructionBank'spersonalwealthmanagementbusinessasanexample.Fromtheaspectsoforganizationalstructureanalysis,productsandservices,adoptionmodelsandestablishedprocesses,itrevealstheproblemsexistinginChina'sCCBinpersonalwealthmanagementbusiness.Thereasonisthatthefront-endbusinesssegmentationinthefinancialmanagementorganizationalstructureisnotintegratedwiththebackground,the“closed”financialmanagementmodelmakesthedemandandsupplyofwealthmanagementproductsinconsistent,theriskgradientofwealthmanagementproductsisincomplete,andthereisnorainwealthmanagementbusiness.Featuresarecombinedandsoon.Onthisbasis,thecorrespondingsolutionsareproposed,suchastheflatreformofthefinancialmanagementorganizationalstructure;the“open”transformationofthebusinessmodel;theinnovationofwealthmanagementproducts–thecombinationoffinancialandfinancialmanagement,andtheidentificationofCCB’spersonalfinance.Thedirectionofbusinessdevelopment.Keywords:Personalfinance,Businessproblems,ChinaConstructionBank目录一、前言.........................................................................1(一)个人理财................................................................1(二)个人理财特点............................................................2(三)个人理财主要形式........................................................2(四)个人理财业务现状........................................................2三、个人理财业务存在的问题.......................................................2(一)个人理财产品创新能力不足................................................2(二)核心产品的争力不足......................................................3(三)营销手段单一............................................................3(四)缺乏服务意识............................................................3(五)对客户缺少风险提示......................................................3(六)缺少客户分级机制........................................................4四、解决个人理财业务发展问题的措施...............................................4(一)提高创新能力和自主研发能力..............................................4(二)提高产品设计机制,丰富产品种类..........................................5(三)理财市场,制定多种营销手段..................