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..................
