商业银行个人理财产品发展研究

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1、摘要务对我国来说是一个新兴的业务，此时对商业银行个人理财产品进行研究，具有很强的现实意义。关键词：个人理财产品、问题、对策5N警鸭。疋气ASTRACTInrecentyears，withthestabledevelopmentofChina'seconomy，theoverallincomelevelofresidentsandthetotalfamilyfinancialassetsriseandthefamilywhohasfinancialassetsofmorethan1millionUSdollarsinthe

2、ChinesemainlandinMarch2007hasbeenreached320，000，people’sfinancialmanagementdemandincrease，manyfamilieswillgraduallychangeasingledepositintodeposits，securities，缸1dmanagement，financialproducts，andotherformsoffinancialassets，bearingcertainrisksinordertoobtainmoreben

3、efits．Amongthem,thecommercialbanksarebeingmoreandmorefavored．becausetheirpersonalfinancialproductswithlessrisl【，speciesarerichandthechannelsisveryconvenient．Since2004ChinaEverbfiightBanklaunchedRMBfinancingproducts，thedomesticcommercialbanksreceivedrealbreakthrou

4、ghsinfinancialmanagementbusiness．thesizeoffinancialproductofcommercialbankswillbenearly1trillion．融paperisdividedintofivechapters．thefirstchapterisaoutlineofpersonal丘Ilanceproductsofcommercialbank,itisinthreeparts．Thefirstsectionsetsoutthedefinitionofpersonalfinan

5、cingproduc坞；thesecondpartanalysesthecharaOeristicsofpersonalfinancingproductincommercialbanks．Thethirdpartistheclassificationofthepersonalfinancingproductsbycurrency，proceedsandtheinvestmentarea．Accordingtodifferentcurrency，therenminbifinancialproductsincludeRMBf

6、inancialproductsandforeignexchangefinancingproducts．Accordingtothedifferentwaysofobtainingproceeds，thefinancIngproductsCallbedividedintoguaranteedincomeproductsandnon—guaranteedincomeproducts．Aecordingtothedifferentareasofinvestment，financingproductscanbedividedi

7、ntothebondtype，trust—based，capitalmarket—based，andQDⅡ一linkedproducts．ChapterHisaanalysisofthedevelopmentofthepersonalfinancialproduct，itisinthreeparts．111efirstpartistheanalysisoftheRMBfinancingproducts．itis1focusedOnthedevelopmentofrenminbifinancialproductin2006

8、，andisembodiedaSfollows：thenumberofRMBfinancialproductishugeandtheexpectedmonthlyyieldrise，fixedincomeproductsarestilldominant；medium-termrenminbifinancingprod