摘要随着中国经济的高速发展，国内居民财富得到迅猛增长。同时，国内商业银行被人们赋予更多期望，更多的居民希望通过银行的理财产品实现资产的增值。本文先是对选题背景与意义以及研究方法进行了说明，分析了我国商业银行个人理财产品的现状。在前人有关我国商业银行理财产品从产品实质、经营方式、风险承担和市场竞争这四个方面特点的研究基础上，以中国银行的个人理财产品为例，着重从产品特征角度把我国商业银行理财产品分成了准货币市场基金、双利存款、结构性存款和固定收益组合四类理财产品，同时对其风险管理体系进行了研究，重点是总结出在利率市场化进程中我国商业银行理财产品面临的一些机遇和诸多问题，最后是给出了相应的政策建议。65948

毕业论文关键词：  中国商业银行     理财产品     产品类型    利率市场化

毕 业 论 文 外 文 摘 要

Title  The current situation and characteristics and opportunities of the financial products of Chinese commercial banks                                                  

Abstract

With the increasing development of economy in China, the assets of domestic inhabitants got increased quickly in the past years. And at the same time, wealth management was accepted by Chinese, by which people hope their assets could be increased. This article firstly describes the research background and significance and research methods, and then illustrates the current situation of Chinese commercial banks on personal finance products. In the previous articles on financial products for Chinese commercial banks from the product substance, mode of operation, risk exposures and market competition, for example, the Bank of China's personal financial products, this article pides the Chinese commercial banks’ financial products into quasi-money market funds, double profits deposits, structured deposits and fixed-income portfolio four from the perspective of the features of products, and at the same time, the Bank of China's risk management system has been studied. In the process of the interest rate liberalization, Chinese commercial banks are faced with some opportunities and many other issues on financial products, and finally this article gives the corresponding policy recommendations. 

Keywords : China commercial bank     financial product     Type of products 

Interest rate liberalization

目   次   

1  引言 1

1.1  选题背景 1

1.2  选题意义 1

1.3  研究方法 2

2  我国商业银行个人理财产品现状分析 2

2.1  发行规模持续扩大，外资银行占比下滑 2

2.2  短中期理财产品成为投资者首选 3

2.3  我国商业银行个人理财产品市场秩序有待提高 3

3  有关我国商业银行个人理财产品的文献分析 4

3.1  我国商业银行个人理财产品的定义 4

3.2  我国商业银行个人理财产品的特点 5

4  中国银行个人理财产品种类和风险控制 5

4.1  按收益类型分类 5

4.2  按产品特征分类 6

4.3  中国银行个人理财产品风险评级和客户投资风险程度 7

5  我国商业银行个人理财产品在利率市场化进程中面临的机遇和存在的

问题 9

5.1  利率市场化给我国商业银行个人理财产品业务带来的机遇 9

5.2  我国商业银行个人理财产品品种不够丰富，创新不足 10