銀行理財產品現狀及發(fā)展趨勢

內 容 摘 要

作為一種金融產品，商業(yè)銀行理財產品是一種非常重要的投資理財渠道，也是銀行業(yè)務的重要組成部分和利潤增長點。隨著國民經濟規(guī)模的增長和居民人均收入的不斷提高，個人理財服務需求也日益旺盛。盡管銀行理財產品在我國的發(fā)展不足十年時間，但是銀行理財產品市場正以一種不可小覷的速度迅速膨脹。本文主要以商業(yè)銀行個人理財產品為研究對象，通過分析其在我國的發(fā)展現狀和發(fā)展趨勢，揭示其發(fā)展過程中存在的問題，并提出相應的解決策略。

關鍵詞：商業(yè)銀行；理財產品；發(fā)展現狀

 

Abstact

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

 

 目 錄

1. 引言6

2. 商業(yè)銀行理財產品的種類7

2.2依據投資市場不同7

3. 商業(yè)銀行理財產品現狀分析9

3.1理財的機構多種多樣9

3.2商業(yè)銀行理財產品的基礎資產逐漸豐富，結構日益復雜9

3.3宏觀經濟走勢對商業(yè)銀行理財產品發(fā)行狀況的影響逐漸增大10

4. 目前商業(yè)銀行理財產品存在的問題11

4.1商業(yè)銀行理財產品受銀信合作模式的制約11

4.2商業(yè)銀行理財產品的自主創(chuàng)新能力不足11

4.3商業(yè)銀行理財產品存在營銷盲點12

4.4商業(yè)銀行理財產品風險揭示不到位，信息披露機制不健全12

4.5投訴處理機制不完善12

5. 商業(yè)銀行理財產品發(fā)展的對策和建議13

5.1沖破銀信合作的束縛，實現理財產品的集成化、專業(yè)化發(fā)展13

5.2加強證券投資類產品的研發(fā)，并提升相應的服務品質13

5.3開發(fā)短期穩(wěn)健類商業(yè)銀行理財產品14

5.4提升商業(yè)銀行理財產品的風險控制能力14

5.5培養(yǎng)專業(yè)理財人才15

5.6加強投資者教育15

6. 商業(yè)銀行理財產品發(fā)展方向未來展望16

6.1結構性理財產品將是設計推廣的重點16

6.2投資標的上傾向于更專業(yè)化16

6.3浮動收益部分傾向于增加16

結 論17

參 考 文 獻18

致 謝19