摘要伴随着中国金融业市场经济体制的迅速进步和中国居民目前资本的不断迅速提升，大部分中国居民的投资理财意识发生了天翻地覆的转变。逐渐进一步充分了解市场上的投资理财商品，拥有一定的投资理财产品专业知识，选择一些合乎自身资产状况和投资理财喜好的投资理财方法。并利用各种各样投资理财方式得到一定市场份额的盈利，进而建立我国居民手上目前资产的升值利润最大化。因而，在我国商业银行的个人理财业务慢慢变为在我国居民投资理财的主要选择，大力推广商业银行的个人理财业务变成新的发展趋势。本文首先研究了国内商业银行理财产品的现况，随后又研究了现阶段在我国商业银行理财产品存有的外部结构和内部结构的问题，包含客户风险评价不足、商业银行理财产品欠缺创新等。随后，提出了国内商业银行理财产品的快速发展和改革发展趋势，并提出了国内商业银行理财产品创新和改革的对策，如投资模式和行业创新、理财产品科学研究、健全投资理财产品管理体系和标准等。最终，对国内银行业理财产品的创新和改革提出了一些提议。期待能为我国商业银行理财产品的创新改革做出一些贡献。关键词：理财产品创新，改革方法，制度建议ApreliminaryanalysisofthefeasibilityofthecommercialbankfinancialproductsinnovateandreforminChinaAbstract：WiththerapidpromotionofthemarketeconomicsystemofChina'sfinancialindustryandthecontinuousimprovementoftheworkingcapitalofChinesehouseholds,theinvestmentandfinancialmanagementconsciousnessofmostChinesehouseholdshaschangedinanall-roundway.Basedontheirabilitytobetterunderstandtheoriginalinvestmentandfinancialproductsinthemarketandhavecertainprofessionalabilityininvestmentandfinancialproducts,theycanchoosesomeinvestmentandfinancialmethodssuitablefortheirownassetsandpreferencesinthefieldofinvestmentandfinancialmanagement.Andapplyavarietyofprojectinvestmentandcostaccountingmethodstoobtainacertainprofitmarketshareinmarketsales,soastocreaterapidcapitalappreciationinthehandsofChinesehouseholdsandmaximizebenefits.Therefore,inChina,thepersonalinvestmentandfinancialmanagementworkflowofcommercialfinancialinstitutionsisgraduallybecomingtheprimarychoiceofinvestmentandfinancialmanagementinChina.Vigorouslypromotingthepersonalfinancialworkflowofcommercialfinancialinstitutionshasbecomeanewdevelopmenttrend.ThispaperfirstanalyzesthecurrentsituationofinvestmentandfinancingcommoditiesinChina'scommercialbanks,andthenstudiestheexternalandinternalstructureofinvestmentandfinancingcommoditiesinChina'scommercialbanks,mainlyincludingcustomerriskevaluation,insufficientinnovationofinvestmentandfinancingproductsofcommercialbanks,andthenintroducesindetailthereformandinnovationdevelopmenttrend,investmentmodeandindependentinnovationofthedevelopmenttrendoffinancialproductsofcommercialbanksinChina,soastopromoteproductresearch,Improvethemanagementoffinancialproductstandardsystem,reformandinnovation,andtakepreventivemeasuresforfinancialproductinnovationinChina'scommercialbanks.Finally,somesuggestionsareputforwardforthereformandinnovationoffinancialproductinnovationinChina'scommercialbanks.I'mstilllookingtotheindependentinnovationandreformandinnovationoffinancialproductsofcommercialbanksinChina'sfinancialinstitutions.Keywords:financialproductinnovation,reformmethods,systemsuggestions目录一、引言...........................................................1二、我国商业银行理财产品的发展现状..................................1（一）商业银行理财产品种类多样......................................21.各类理财产品的概念与特点..........................................22.我国居民对...
