商业银行理财产品现状研讨.doc

商业银行理财产品现状分析 【摘要】随着我国经济高速发展，居民收入水平不断提高，可支配财富不断增加，对银行理财产品的需求也日益增加，通货膨胀和负利率也催化了居民的投资热情。此外，经济全球化的发展加快了金融全球化的步伐，国外金融理财观念的更新互相渗透，使得我国商业银行积极转型，寻求打破依靠存贷利息差的新型盈利模式。外在需求因素和内在创新发展因素共同推进了我国商业银行理财产品的迅猛发展。然而中国理财市场仍属于一个新兴市场，存在着制度尚不完善，监管尚不到位，产品设计单一与信息不对称等问题。本文主要探讨我国商业银行理财产品发展现状和面临的挑战，并对银行理财产品未来发展提出政策建议，希望能对推动我国银行个人理财产品的发展和完善起到一定促进作用。 【关键词】商业银行；理财产品；政策建议 Commercial Bank Financial Products Analysis Abstract:With Chinas rapid economic development, rising income levels, increasing disposable wealth, so the demand for financial products is also increasing. Inflation and negative interest rates are also a catalyst for investment enthusiasm of residents. In addition, the development of economic globalization to accelerate the pace of financial globalization, foreign financial planning concept of updating mutual penetration, making the transformation of Chinas commercial banks to actively seek to rely on deposit and lending interest rate differential to break new profit model. In summary, the external demand factors and internal factors that work together to promote innovation and development of Chinas commercial banks, the rapid development of financial products. However, the Chinese financial market is still in an emerging market, the system is not perfect, supervision is not in place, a single product design and information asymmetry. This paper discusses the development of Chinas commercial banks financial products current situation and challenges, and the future development of financial products to make policy recommendations, hoping to promote Chinas banking personal finance product development and improvement play a facilitating role. Key words: Commercial Banks Financial Products Policy Recommendation 目 录 摘 要………………………………………………………………………………………I Abstract………………………………………………………………………………………II 引 言………………………………………………………………………………………1 一、我国商业银行理财产品历史沿革与发展………………………………………………2 二、我国商业银行理财产品现状……………………………………………………………2 （一）理财产品发行规模不断扩大……………………………………