上世纪60年代以来,伴随着战后资本主义经济复兴,世界范围内财富急速增长。尤其是70年代的金融创新浪潮,使得一大批金融工具问世,由此带来的投资品种多样化更是极大地推进了个人理财业务的发展。在过去的几年中,美国银行业个人理财业务平均利润率高达35%-40%,年平均盈利增长率约为12%—15%。随着我国加入 WTO,国内居民资产增长迅速,我国金融服务领域的个人理财业务蓬勃开展起来。一、个人理财:经济发展的产物据最新出版的《二○○四中国城市商业发展报 Since the 1960s, with the post-war capitalist economic rejuvenation, the wealth in the world has been rapidly increasing. In particular, the tide of financial innovation in the 1970s brought a large number of financial instruments to market, resulting in diversified investment products that greatly promoted the development of personal financial services. In the past few years, the average personal banking business in the United States has an average profit margin of 35% -40% and an average annual profit growth of about 12% -15%. With China’s accession to the WTO, the rapid growth of domestic resident assets, personal financial services in the field of financial services to flourish. First, personal finance: the product of economic development According to the latest publication of "2004 China City Business Development