銀行理財產品現狀及發展趨勢---以招商銀行為例

內 容 摘 要

我國做為全球人均儲蓄最多的國家，一部分老百姓手里握著許多的資金，但是只存銀行的定期賬戶里并不能使我們的資產得到利潤，無法利用經濟杠桿去賺取利潤。隨著這幾年的金融行業的發展，銀行的理財產品越來越多，人們也有了更好的理財選擇。銀行也隨著人們的需求，推出了各種各樣的理財產品供人們選擇。銀行也將理財產品最為銀行的主要業務，他同時也受到了各個金融企業的青睞，但是我們剛剛處于金融發展的初級階段，我們的銀行理財產品仍存在這許多問題，銀行理財的產品的普及率較低等問題，本文旨在論述銀行理財產品的現況，問題及解決意見等，同時根據相關文獻預想銀行理財產品的發展趨勢。

[關鍵詞]：銀行理財產品；問題；發展趨勢

目       錄

1.銀行理財產品的基本知識···········································3

1.1銀行理財產品的概念·············································3

1.2銀行理財產品的種類·············································3

1.3理財產品作用···················································4

2.中國理財產品的問題···············································5

2.1理財產品同質化情況比較嚴重·····································5

2.2理財工作人員的專業性有待加強···································5

2.3理財產品監管制度，以及風險監控體系有待加強······················5

3研究商業銀行個人理財產品發展的具體對策···························5

3.1創新理財產品···················································5

3.2加大力度培養專業化的理財人員···································6

3.3制定健全的理財產品監管制度，以及完善風險監控體系················6

4.理財產品的未來發展趨勢··········································6

5.商業銀行理財產品的發展措施分析··································7

5.1制定明晰的發展戰略·············································7

5.2重視理財產品的風險監控·········································7

5.3研發具有特色的理財產品·········································8

6.結論·····························································8

7.文獻