As a financial product, commercial bank financial products is not only a very important channel of investment and financing, but also an important part of banking business and profit growth point. With the increase of the scale of the national economy and the improvement of the per capita income of residents, the demand for personal financial services is also growing. Although the development of bank financial products in China is less than ten years, the market of bank financial products is rapidly expanding at a speed that can not be underestimated. In this article, it mainly takes the personal financial products of commercial banks as the research object, through the analysis of its development status and development trend in our country, which reveals the problems existing in its development process and puts forward the corresponding solutions.
Keywords: commercial banks; financial products; development status