州商业银行理财产品存在的问题及对策研究.doc

苏州商业银行理财产品存在的问题及对策研究 摘要 随着商品经济的发展，商业银行理财产品的业务种类和经营范围日益扩大，理财产品发展迅猛，为商业银行带来了重大利益，是银行的主要利润增长点之一。但在其发展过程中也出现了一系列问题，值得我们关注和解决。为此，本文以苏州商业银行为出发点，研讨其理财产品在发展过程中存在的问题，从而提出相应的对策建议，促进银行发展。通过国内外商业银行理财产品的现状，发现苏州商业银行理财产品问题，并从宏观环境和商业银行自身出发分析了存在问题的原因。从而提出解决思路；构建稳定合理的理财产品品种结构，健全风险制度，加强风险管理，提高创新能力，明确经营目标，以期促进商业银行理财产品的健康快速发展。 关键词：理财产品；苏州商业银行；理财产品管理 Abstract Agricultural commercial banks, with the rapid development of Chinas commercial banks personal financial products and financial services, personal finance product management made great achievements, but also appeared in the marketing of financial products are not standardized or even illegal sales, financial mismanagement, such as product design and series worthy of our attention and solve problems. In this paper, the commercial banks of Chinas agricultural products personal financial management for the object, first outlined the concept of financial products characteristics and classification, followed by analysis of the current situation of agricultural commercial banks, summed up their problems in the management of financial products, analysis of its banks significance of financial products management revenue management, development and innovation, improve marketing, reduce the risk of other aspects of the proposed update management concepts, market segments, hierarchical design products, the establishment redemption channels, product development and opening up, judge their own advantages, development of specialty products, enhance personnel training, strengthen personnel, improve the regulatory system, strengthen risk prevention, such as improving the management of financial products suggestions for other banks to manage our financial products for reference. Keywords: financial products; suzhou agricultural commercial bank; financial products management. 目录 1、 绪论 1 1.1研究背景 1 1.2研究意义 1 1.3国内外研究现状 1 1.3.1国外相关研究现状 1 1.3.2国内相关研究现状 1 1 1.4研究方法 1 1.4.1定性分析法 1 1.