目 录摘 要：......................................................................................................................1关键词..........................................................................................................................1引言..............................................................................................................................31 互联网金融和商业银行个人理财业务的相关概述...............................................31.1 互联网金融的定义..............................................................................................31.2 商业银行个人理财业务的定义..........................................................................42 互联网金融背景下商业银行个人理财业务发展状况...........................................42.1 互联网金融的发展现状......................................................................................42.2 商业银行个人理财业务的发展现状...................................................................52.2.1 净值型理财产品转型效果显著.......................................................................52.2.2 同业竞争激烈..................................................................................................52.2.3 理财产品种类丰富和业务规模放缓...............................................................62.2.4 理财产品品牌效应明显..................................................................................62.2.5 中短期理财产品更受青睐..............................................................................73 互联网金融对商业银行个人理财业务的影响.......................................................73.1 侵蚀我国商业信贷银行整体利润........................................................................73.2 培育更多的具有正确理财观念的客户群...........................................................83.3 减少商业银行传统理财业务..............................................................................94 针对我国商业银行理财业务在互...
