CAJ | 학술논문

利率市场化背景下，金融创新层出不穷。同时，个人理财业务发展面临诸多问题和挑战。文章从目前我国个人理财业务发展面临的形势出发，分析个人理财产品发展的动因，然后从内外因素阐述业务开展面临的困难和存在的问题，最后想出相应的业务发展对策。
리솔시장화배경하，금융창신층출불궁。동시，개인리재업무발전면림제다문제화도전。문장종목전아국개인리재업무발전면림적형세출발，분석개인리재산품발전적동인，연후종내외인소천술업무개전면림적곤난화존재적문제，최후상출상응적업무발전대책。
With the advancing of marketization of interest rate, the competition of the domestic finance gets fierce and financial innovation emerges endlessly. As an important part of the private business of commercial banks, personal finance business development faces many problems and challenges. In order to maintain its sustainable development, commercial banks must find direction and countermeasures. From the current situation of personal finance business development in China ,the article analyzes the development of personal finance product motivation, elaborates the difficulties and problems from the internal and external factors on the business, and at last proposes the business development countermeasures with transforming concept, expanding innovation, team construction, risk management.