中文摘要：

随着商业银行理财业务在国内市场中的竞争环境逐渐复杂化，我国各商业银行内部所采取的积极发展理财业务的市场竞争战略也逐渐成为国内市场经济发展的必然选择。为此，本文先对提升商业银行理财业务竞争力本身所具有的必要性和重要性进行论证，再分析与总结现阶段商业银行理财业务中所存在的问题与弊端，并以此为基础，提出在国际金融环境与氛围下，国内商业银行理财业务市场竞争策略，并对商业银行理财业务发展战略举措进行分析与探讨。

英文摘要：

With the competition environment of commercial bank financing business in the domestic market grad?ually complex,market competition strategy adopted by China’s commercial banks which actively develop individual’sfinancial services has become the inevitable choice of develop the domestic market economy. Therefore,the articlefirstly proves the necessity and importance of commercial banks to enhance the competitiveness of the individual’s fi?nancial services. Then the article analyzes and summarizes the problems and defects of the individual’s financial busi?ness of commercial banks at the present stage,and based on International financial environment,the article proposesmarket competition strategy of commercial bank individual’s financing business.