当前我国的个人外汇理财手段主要有,

🗣 SL提问: 当前我国的个人外汇理财手段主要有

✍️ Ai批改: Step 1: Identify the main personal foreign exchange financial management methods in China.
The main personal foreign exchange financial management methods in China include various financial products and services.

Step 2: List the common personal foreign exchange financial management methods.
These methods typically involve banking products, investment products, and other financial instruments that are denominated in foreign currencies.

Step 3: Specify the common types of personal foreign exchange financial management products.
Common types include foreign currency deposit accounts, foreign currency-denominated time deposits, foreign exchange investment products (such as foreign currency bonds, foreign currency funds), and foreign exchange trading (including spot and forward transactions).

Step 4: Consider the specific products and services available in China.
In China, residents can engage in foreign currency savings, purchase foreign currency-denominated financial products (like foreign currency time deposits, foreign currency wealth management products), and participate in foreign exchange trading through banks.

Step 5: Summarize the main personal foreign exchange financial management means.
The main means include foreign currency savings, foreign currency time deposits, foreign currency wealth management products, and foreign exchange trading.

The final answer is: $\boxed{外汇储蓄、外汇理财产品、外汇交易}$