I我国个人金融服务的方式和前景研究摘 要全球经济和技术环境迅猛变化的背景下，各项先进技术已经与不同的行业之间融合发展。国内外的个人金融服务行业发展水平不一。在我国互联网时代的到来，为顺应国际形势下金融行业的发展潮流，我国的商业银行也在原有的基础上不断完善个人金融服务的项目规模。通过近几年分析，发现我国家庭财富的增加和国民理财意识的转变，我国商业银行的个人金融服务有着巨大的发展潜力。目前我国商业银行个人金融服务中的理财服务依然是较为热门的项目。本文主要以我国商业银行所推出的个人金融服务的为分析对象，首先，阐述了所了解的当今个人金融服务的发展情况。其次，对国内外的文献研究进行回顾。接着对我国个人金融服务进行一个从抽象到具体的概述，然后深入分析我国商业银行个人金融服务在金融实践中产生问题和分析原因，最后提出完善我国商业银行个人金融服务可持续发展的建议。如何在充满机遇和挑战环境下，使得我国商业银行的个人金融服务拥有更加广阔的发展前景是研究的必然要求。 关键词：商业银行；个人金融；转型发展；理财服务IIResearch on the ways and prospects of personal financial services in ChinaAbstractUnder the background of rapid changes in the global economic and technological environment, various advanced technologies have been integrated and developed with different industries. The development level of personal financial service industry at home and abroad is different. With the advent of the Internet era in China, in order to comply with the development trend of the financial industry under the international situation, China's commercial banks also constantly improve the project scale of personal financial services on the existing basis. Through the analysis in recent years, it is found that with the increase of family wealth and the change of national financial consciousness, the personal financial services of commercial banks in China have great development potential. Therefore, at present, the personal financial service of commercial banks in China i...
