中国加入WTO之后，个人理财有了更多的选择，理财观念也有了新的变化———借助专家理财。近年来一些银行纷纷推出“理财工作室”，为客户提供专业化的个人理财服务。这与普通投资者相比，专家理财的优势主要表现为大品种选择范围上大大高于个人投资者。在专业投资机构内有专人 After China’s accession to the WTO, personal finance has more choices, and financial management concepts have also taken on new changes --- with expert financial management. In recent years, some banks have launched “financial studio” to provide customers with specialized personal financial services. This compared with ordinary investors, the advantages of expert financial management mainly for the large variety of choices significantly higher than the individual investors. In the professional investment agencies have someone