内 容 摘 要
作为一种金融产品，商业银行理财产品是一种非常重要的投资理财渠道，也是银行业务的重要组成部分和利润增长点。随着国民经济规模的增长和居民人均收入的不断提高，个人理财服务需求也日益旺盛。尽管银行理财产品在我国的发展不足十年时间，但是银行理财产品市场正以一种不可小觑的速度迅速膨胀。本文主要以商业银行个人理财产品为研究对象，通过分析其在我国的发展现状和发展趋势，揭示其发展过程中存在的问题，并提出相应的解决策略。
关键词：商业银行；理财产品；发展现状
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 录
1. 引言6
2. 商业银行理财产品的种类7
2.2依据投资市场不同7
3. 商业银行理财产品现状分析9
3.1理财的机构多种多样9
3.2商业银行理财产品的基础资产逐渐丰富，结构日益复杂9
3.3宏观经济走势对商业银行理财产品发行状况的影响逐渐增大10
4. 目前商业银行理财产品存在的问题11
4.1商业银行理财产品受银信合作模式的制约11
4.2商业银行理财产品的自主创新能力不足11
4.3商业银行理财产品存在营销盲点12
4.4商业银行理财产品风险揭示不到位，信息披露机制不健全12
4.5投诉处理机制不完善12
5. 商业银行理财产品发展的对策和建议13
5.1冲破银信合作的束缚，实现理财产品的集成化、专业化发展13
5.2加强证券投资类产品的研发，并提升相应的服务品质13
5.3开发短期稳健类商业银行理财产品14
5.4提升商业银行理财产品的风险控制能力14
5.5培养专业理财人才15
5.6加强投资者教育15
6. 商业银行理财产品发展方向未来展望16
6.1结构性理财产品将是设计推广的重点16
6.2投资标的上倾向于更专业化16
6.3浮动收益部分倾向于增加16
结 论17
参 考 文 献18
致 谢19
