目录一、二、我国个人理财市场拓展的难点.··(三)分业经营是制约我国个人理财市场的拓展..·233(一)加强理财教育和宣传力度..3(二)加大高素质理财人才队伍建设.3(三)加快金融业混业经营步伐..44结论5内容摘要随着我国经济的发展，人们的生活水平不断提高，老百姓手上的闲置资金变得越来越多，理财意识也在不断增强，居民对个人理财的需求越来越迫切，使得我国个人理财市场获得了前所未有的发展。高质量的个人理财产品与服务将成为市场的必然选择。与此同时，我国的个人理财市场起步较晚，目前的发展仍然存在着诸多的不足，人才的匮乏、法律和法规的缺失以及产品的同质化等也制约着理财市场的健康发展。通过比较国内外的个人理财市场来找出国内外个人理财市场的差异性.试图从中找出提升国内个人理财市场的策略。本文在研究了我国个人理财市场现状的基础上，对我国个人理财市场拓展过程中遇到的问题进行分析，并提出了相应的建议，希望对我国个人理财的发展有所帮助。关键词：个人理财，产品升级，商业银行，对策AbstractWith the development of our national economy,people's living standardsimproved,the common people on the idle fund becomes more and more,financial management consciousness and the strengthening of residents inpersonal finance needs more and more urgent,makes our personalfinance market won the unprecedented development.The high quality ofthe personal financial management products and services will be theinevitable choice of the market.At the same time,our personal financemarket start later,the current development still exists some shortage,thelack of talent,laws and regulations and the lack of the same kind ofproduct and so on also restricts the healthy development of the financialmarket.Through the comparison of the personal financial management athome and abroad market both at home and abroad to find out thedifferences of personal financial market.Try to find out the boostdomestic personal finance market strategy.This paper in the study ofpersonal financial market in China on the basis of the current situation ofour country's personal finance market development problems encounteredin the process of analysis,and put forward the corresponding proposal,the hope of China's personal finance development assistance.