我国银行理财产品的现状与发展.docVIP

题目：我国银行理财产品的现状与发展 我国银行理财产品的现状与发展 ［ ］面对当今银行传统业务风险的H趋增大，存贷款利差日趋缩小、外资银行步步紧 逼的复杂局势，我国银行的个人理财业务得以开展并迅猛发展。□前，我国商业银行个人理 财产品己然成为银行业的重要业务之一。本文先对银行理财产品进行了简述，再从我国银行 理财产品发展现状入手，在分析银行理财产品现存问题的基础上，探讨如何促进个人理财业 务健康发展的对策，并提出了G己的建议与思考。 ［关键字］银行 理财产品 现状 发展 Present situation and development of the financial products in China [Abstract] In the face of todays traditional bank business risk increases day by day，deposit and loan spreads narrowing，foreign banks step by step the complex situation, China’s banks personal financial business development and rapid development. At present, the personal financial products of commercial banks in China has become one of the important business of banking. This paper first introduces the bank financial products，from the current situation of the development of our country’s Bank financial products, on the basis of the analysis of the existing problems of financial products, the discussion of countermeasures to promote the healthy development of the personal financial management business. And puts forward some suggestions and thoughts of my own. [Key word] Banks Financial Products Present situation Development 目录 TOC \o 1-5 \h \z 弓I胃 1 HYPERLINK \l bookmark4 \o Current Document \h 一、 银行理财产品概述 2 HYPERLINK \l bookmark5 \o Current Document \h （一） 按标价货币来分 2 HYPERLINK \l bookmark6 \o Current Document \h （二） 按客户获取收益方式来分 3 HYPERLINK \l bookmark7 \o Current Document \h （三） 根据投资领域不同来分 3 HYPERLINK \l bookmark8 \o Current Document \h 二、 我W银行理财产品的发展现状与趋势 5 HYPERLINK \l bookmark9 \o Current Document \h （一） 我国居民个人理财的需求现状 5 HYPERLINK \l bookmark10 \o Current Document \h （二） 我W银行理财产品的发展现状 5 HYPERLINK \l bookmark11 \o Current Document \h （三） 我W银行理财产品的发展趋势 7 HYPERLINK \l bookmark12 \o Current Document \h 三、 我W银行理财产品存在的问题与分析 8 HYPERLINK \l bookmark13 \o Current Document \h （一） 门槛设置过高 8 HYPERLINK \l bookmark14 \o Current Document \h （二） 业务发展受限 8 HYPERLINK \l bookmark15 \o Current Document \h （三） 创新结构失衡 8 HYPERLINK \l bookmark16 \o Current Document \h （0）信息技术落后