商业银行理财产品现状及发展趋势

商业银行理财产品现状及发展趋势摘要伴随着中国金融业市场经济体制的迅速进步和中国居民目前资本的不断迅速提升，大部分中国居民的投资理财意识发生了天翻地覆的转变。逐渐进一步充分了解市场上的投资理财商品，拥有一定的投资理财产品专业知识，选择一些合乎自身资产状况和投资理财喜好的投资理财方法。并利用各种各样投资理财方式得到一定市场份额的盈利，进而建立我国居民手上目前资产的升值利润最大化。因而，在我国商业银行的个人理财业务慢慢变为在我国居民投资理财的主要选择，大力推广商业银行的个人理财业务变成新的发展趋势。本文首先研究了国内商业银行理财产品的现况，随后又研究了现阶段在我国商业银行理财产品存有的外部结构和内部结构的问题，包含客户风险评价不足、商业银行理财产品欠缺创新等。随后，提出了国内商业银行理财产品的快速发展和改革发展趋势，并提出了国内商业银行理财产品创新和改革的对策，如投资模式和行业创新、理财产品科学研究、健全投资理财产品管理体系和标准等。最终，对国内银行业理财产品的创新和改革提出了一些提议。期待能为我国商业银行理财产品的创新改革做出一些贡献。关键词：理财产品创新，改革方法，制度建议A preliminary analysis of the feasibilityof the commercial bank financial products innovate and reform in ChinaAbstract:With the rapid promotion of the market economic system of China's financialindustry and the continuous improvement of the working capital of Chinese households,theinvestment and financial management consciousness of most Chinese households has changedin an all-round way.Based on their ability to better understand the original investment andfinancial products in the market and have certain professional ability in investment andfinancial products,they can choose some investment and financial methods suitable for theirown assets and preferences in the field of investment and financial management.And apply avariety of project investment and cost accounting methods to obtain a certain profit marketshare in market sales,so as to create rapid capital appreciation in the hands of Chinesehouseholds and maximize benefits.Therefore,in China,the personal investment and financialmanagement workflow of commercial financial institutions is gradually becoming the primarychoice of investment and financial management in China.Vigorously promoting the personalfinancial workflow of commercial financial institutions has become a new development trend.This paper first analyzes the current situation of investment and financing commodities inChina's commercial banks,and then studies the external and internal structure of investmentand financing commodities in China's commercial banks,mainly including customer riskevaluation,insufficient innovation of investment and financing products of commercial banks,and then introduces in detail the reform and innovation development trend,investment modeand independent innovation of the development trend of financial products of commercialbanks in China,so as to promote product research,Improve the management of financialproduct standard system,reform and innovation,and take preventive measures for financialproduct innovation in China's commercial banks.Finally,some suggestions are put forward forthe reform and innovation of financial product innovation in China's commercial banks.I'm stilllooking to the independent innovation and reform and innovation of financial products ofcommercial banks in China's financial institutions.Key words:financial product innovation,reform methods,system suggestions目录一、引言....1二、我国商业银行理财产品的发展现状1(一)商业银行理财产品种类多样.…21.各类理财产品的概念与特点.....22.我国居民对于各种理财产品的态度..·2(二)商业银行理财产品发展规模不断扩大.................31.我国商业银行理财产品