本科论文摘 要虽然我国的个人理财业务起源较晚，但随着居民个人收入及储蓄的增加，理财理念逐步增长。尤其在经历了此次新型冠状病毒疫情后，个人理财产品的需求将会进一步加大，势必蓬勃发展。本文将进一步了解我国商业银行个人理财产品发展历程、基本情况及其创新过程中可能存在的问题，并提出有关建议，希望有助于我国个人理财业务的发展。关键字：个人理财产品，商业银行，理财业务，创新Abstract本科论文Although the origin of personal finance business in China is relatively late, with the increase of personal income and savings, the concept of personal finance has gradually increased. Especially after the 2019-ncov outbreak, the demand for personal financial products will be further increased and will certainly flourish. This article will further understand the development course, basic situation and possible problems in the innovation process of personal financial products of commercial banks in China, and put forward relevant suggestions, hoping to contribute to the development of personal financial services in China. Key words: Personal financial products, Commercial banks, Financial services, Innovation本科论文目录前 言...............................................................................................................................11 研究综述....................................................................................................................21.1 论文框架..........................................................................................................21.2 本文主要研究方法.........................................................................................22 我国商业银行个人理财产品的内涵及我国商业银行个人理财产品发展历程....32.1 我国商业银行个人理财产品的内涵.............................................................32.2 我国商业银行个人理财产品发展历程：......................................................53 我国商业银行个人理财产品发展现...
