银行理财产品现状及发展趋势---以招商银行为例

内 容 摘 要

我国做为全球人均储蓄最多的国家，一部分老百姓手里握着许多的资金，但是只存银行的定期账户里并不能使我们的资产得到利润，无法利用经济杠杆去赚取利润。随着这几年的金融行业的发展，银行的理财产品越来越多，人们也有了更好的理财选择。银行也随着人们的需求，推出了各种各样的理财产品供人们选择。银行也将理财产品最为银行的主要业务，他同时也受到了各个金融企业的青睐，但是我们刚刚处于金融发展的初级阶段，我们的银行理财产品仍存在这许多问题，银行理财的产品的普及率较低等问题，本文旨在论述银行理财产品的现况，问题及解决意见等，同时根据相关文献预想银行理财产品的发展趋势。

[关键词]：银行理财产品；问题；发展趋势

目       录

1.银行理财产品的基本知识···········································3

1.1银行理财产品的概念·············································3

1.2银行理财产品的种类·············································3

1.3理财产品作用···················································4

2.中国理财产品的问题···············································5

2.1理财产品同质化情况比较严重·····································5

2.2理财工作人员的专业性有待加强···································5

2.3理财产品监管制度，以及风险监控体系有待加强······················5

3研究商业银行个人理财产品发展的具体对策···························5

3.1创新理财产品···················································5

3.2加大力度培养专业化的理财人员···································6

3.3制定健全的理财产品监管制度，以及完善风险监控体系················6

4.理财产品的未来发展趋势··········································6

5.商业银行理财产品的发展措施分析··································7

5.1制定明晰的发展战略·············································7

5.2重视理财产品的风险监控·········································7

5.3研发具有特色的理财产品·········································8

6.结论·····························································8

7.文献