我国商业银行发展个人理财业务的必要性和可行性研究

分析我国商业银行发展个人理财业务的必要性和可行性。必要性体现在：市场需求;降低商业银行经营风险的需要;拓展商业银行经营范围和提高核心竞争力的需要。可行性体现在：第一,宏观经济及居民资金总量的高速增长为理财业务的发展提供了广阔的市场空间;第二,商业银行已进行规模经营,拥有丰富的交叉代理销售经验。

Study on Necessity and Feasibility to Develop Personal Wealth Management Business of Chinese Commercial Banks

This paper analyzes the necessity and feasibility of the development ot tlae personal wealth management business of Chinese commercial banks. The necessity is reflected in the market demands, the need to reduce the risk of commercial banks, the demands to expand the scope of commercial banks and the improvement of core competitiveness. Feasibility is reflected in a broad market space that macroeconomic and the rapid growth of the residents＇ total funds for the development of the financial management has provided. Commercial banks have carried out large-scale operation with the extensive experience in crosssales agent.