本科论文摘 要20 世纪以来，随着计算机技术的普及，互联网已经日渐成为人们生活工作以及学习过程中的一个重要组成部分，它是工业革命的产物，覆盖范围的深远广泛，因此它一经问世便在服务、销售、科技等领域渗透开来，这也使我们的生活更加丰富多彩、更加便捷。当互联网这一技术扩散到金融领域时，便意味着互联网金融正悄然产生。商业银行个人理财业务是金融领域中不可或缺的组成部分，它在国外发展较早，目前发展的已相当成熟。在我国，改革开放不断深化，经济继续保持中高速增长，商业银行个人理财业务也随之不断发展壮大。但与此同时，商业银行个人理财业务存在技术支持弱、产品门槛高、工作人员素质缺陷等弊端，这些问题都制约着商业银行个人理财业务的发展。然而，互联网在金融领域的进军，恰好一定程度上弥补了这些缺陷。本文首先对互联网金融和商业银行个人理财业务的概念及其各自理论进行简单介绍,同时对二者发展现状进行阐述，接下来几个章节便是对商业银行个人理财业务的优势、劣势、机遇及挑战进行分析，最终针对商业银行个人理财业务的发展提出一些切实可行的对策和建议。关键词：互联网，互联网金融，商业银行，个人理财业务本科论文AbstractSince the 20th century, with the popularization of computer technology, the Internet has increasingly become people live and work, as well as an important part in the learning process, it is the product of the industrial revolution, deeply broad coverage, so it was in the service as it comes to sales of science and technology in areas such as pervasive, it makes our life more rich and colorful more convenient when the Internet this technology spread to the financial sector, financial means the Internet is have quietly commercial bank personal financing business is an integral part of the financial sector, it development earlier in foreign countries, the current development has quite mature in our country, the deepening of reform and opening-up, the economy continued to maintain rapid growth, the commercial bank personal financing business is growing but at the sa...
