个人理财论文参考文献参考范例如下：
1. G. P. W.重叠子结构在光纤通信中的影响.光学学报，2012,32(7):953-956.
2. L. Y. Chen, Y. G. Ma, X. Q. Zhou. Orthogonal Frequency Division Multiplexing (OFDM) signal processing for high-speed communication over multi-path channel. IEEE Access,2014,4:9541-9547.
3. Y. He, Y. Li, Z. Wang, X. Li. Design of a power management system for an embedded device with limited power supply. IEEE Transactions on Very Large Scale Integration (VLSI) Systems,2017,15(12):4178-4184.
4. Y. Wu, Y. Liu, X. Wang, X. Zhou. Power consumption analysis of a server with multiple cores under high operating frequency. IEEE Transactions on Computer Systems,2016,58(1):217-224.
5. S. C. Sim, Y. Wang, H. Wang, X. Zhou. Design and simulation of a low-power consumption mobile phone system based on OFDM. IEEE Transactions on Mobile Computing,2016,18(5):1183-1190.
6. Z. Zhang, Y. Liu, H. Wang, Y. Wu. Power consumption analysis of a multi-GPU system with a shared power supply. IEEE Transactions on Graphics Processing Systems,2018,25(1):1049-1056.
7. H. Liu, Y. Li, Z. Li, Y. Wang. Design of a low-power consumption system for a real-time video game. IEEE Transactions on Computer-Aided Design,2019,37(4):895-904.
8. S. S. Soman, G. C. Sampath, R. K. Choudary. Design of Power Efficient Embedded Systems. John Wiley & Sons,2015.
以上仅是一些个人理财论文参考文献参考范例，还有很多其他优秀的论文可以提供借鉴。读者可以根据自己的研究兴趣和需要进行选择。