摘要邮政储蓄银行经过十几年的个人理财业务发展，在该领域获得了骄人的成绩。然而，最近几年间个人理财产品在市场的发展中出现了多种多样的类型。但是随着互联网理财的发展以及销售模式的转变，邮储银行正处于机遇和挑战同时存在的局面，如何保证该行的个人理财产品在金融市场中的产品中具有良好的竞争优势，是该银行需要解决的迫切问题。本文对邮政银行抚顺盛城街支行为研究对象，对其个人理财业务以及创新进行了分析，然后分析了目前邮政银行抚顺盛城街支行理财产品存在的问题，主要体现在产品创新和市场需求不符、市场缺乏细分管理、产品定价问题以及产品同质化问题严重等四个方面，最后针对邮政银行抚顺盛城街支行理财产品存在的问题，提出了相应的改进策略，应该利用大数据对理财产品进行设计满足更多客户需求，对个人理财产品市场进行细化，对理财产品的定价制度进行创新，不断促进理财产品的转型发展，希望通过这些策略对于促进邮政银行抚顺盛城街支行的个人理财业务发展有所帮助。关键词：互联网；商业银行；理财产品；创新ResearchonFinancialProductInnovationofCommercialBanksUndertheBackgroundofInternet--TakingFushunShengchengStreetsubBranchofPostalBankasanExampleAbstractAftermorethantenyearsofpersonalfinancialbusinessdevelopment,thepostalsavingsbankhasmaderemarkableachievementsinthisfield.However,inrecentyears,therehavebeenavarietyoftypesofpersonalfinancialproductsinthedevelopmentofthemarket.However,withthedevelopmentofInternetfinancialmanagementandthetransformationofsalesmode,thepostalsavingsbankisinasituationofbothopportunitiesandchallenges.Howtoensurethatthebank'spersonalfinancialproductshaveagoodcompetitiveadvantageintheproductsinthefinancialmarketisanurgentproblemthatthebankneedstosolve.ThispaperstudiesthebehaviorofFushunShengchengStreetBranchofpostalbank,analyzesitspersonalfinancialbusinessandinnovation,andthenanalyzestheproblemsexistinginthefinancialproductsofFushunShengchengStreetBranchofpostalbank,whicharemainlyreflectedinfouraspects:productinnovationisinconsistentwithmarketdemand,lackofmarketsegmentationmanagement,productpricingandseriousproducthomogenization,Finally,aimingattheproblemsexistinginthefinancialproductsofFushunShengchengStreetsubbranchofpostalbank,thispaperputsforwardcorrespondingimprovementstrategies.Weshouldusebigdatatodesignfinancialproductstomeettheneedsofmorecustomers,refinethemarketofpersonalfinancialproducts,innovatethepricingsystemoffinancialproducts,andconstantlypromotethetransformationanddevelopmentoffinancialproducts,ItishopedthatthesestrategieswillbehelpfultopromotethedevelopmentofpersonalfinancialbusinessofFushunShengchengStreetsubbranchofpostalbank.KeyWords：Internet;Commercialbanks;Financialproducts;Innovate目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、邮政储蓄银行抚顺分行实习情况说明........................................................................3（一）邮政银行概况.....................................................................................................3（二）实习期间的工作内容及其流程.........................................................................3二、邮政储蓄银行抚顺盛城街支行理财产品发展现状............
