近年来， 随着我国经济发展水平不断提高， 居民财富已积累到一定水平， 居民金融资产逐步成为人们关注的一个重要问题。我国居民金融资产结构由以前单一的现金—储蓄结构向债券、股票、保险等多元化结构转变。随着居民各种消费需求和投资需求的迅速增加，且居民个人自我理财技能不高，理财机会成本较高，理财效果不理想等，客观上形成了理财服务市场，个人理财业务也渐渐具备了其实现的前提和基础。个人理财市场的发展潜力巨大，个人理财业在我国已经兴起并迅速发展，但是理财理论研究明显落后于理财实践，理财服务还处于产品推销的阶段，只重视推销理财产品不重视推销理财理念，产品同质化，理财人才缺乏等问题制约了个人理财业的发展。

参考：
In recent years, as China's rising level of economic development, residents have been accumulated to a certain level of wealth, the residents of financial assets and gradually become an important issue of concern. China's population structure of financial assets in cash from the previous one - saving structure to bonds, stocks, insurance, diversified structural changes. As the residents of a variety of consumer demand and the rapid increase in investment demand, and financial management skills of individual residents themselves are not high, the higher the opportunity cost of finance, financial result is not satisfactory and so on, objectively formed a financial services markets, personal finance business has gradually equipped with the prerequisite and basis for its implementation. Personal finance market development has great potential, personal finance industry in China has been the emergence and rapid development, but significantly behind the theoretical study finance financial management practices, financial services is still at the stage of product marketing, marketing of financial products do not only attach importance to attach importance to promoting financial concepts, product homogenization, the lack of financial management personnel and other problems have constrained the personal finance industry.