利率市场化对我国银行理财产品的影响研究-产业经济学专业毕业论文.docxVIP

AbstractA Abstract Abstract In recent years，the interest rate marketization reform has always been one of the core content of financial system reform in our country，the party’S eighteen big attaches great importance to this，points out that to establish a modem financial system，we must deepen the reform of the financial system and promote our macroeconomic stability and healthy development．On October 24，201 5，the central bank decided to commercial Banks and rural cooperative fmancial institutions，such as no longer set interest rates on deposits floating ceiling，shows that Chinas market-oriented interest rate has a basic implementation，in a named phase of interest rate marketization．In the whole process of interest rate marketization forward，on the one hand，the degree of liberalization in various banks higher financial environment， obtained more and more independent pricing power，driving the rapid development bank financial products in general；Rates of frequent changes，on the other hand，the shape of the expected rate of return for bank financial products in Our country has brought certain influence．Interest rate marketization in Our country for the development of bank financing products are both opportunities and challenges． In both at home and abroad were summarized in this article，on the basis of literature review．first introduced in China’S market．oriented interest rate reform process and the present situation，then summarizes the meaning，development course and status quo of bank fmancial products and classification，puts forward the problem of bank financial product development up to now in Our country，secondly according to the actual situation of Our country，mainly sums up the marketization of interest rate changes on bank financing products development in each aspect has brought many effects；And then explore the influence of interest rate marketization expected rate of return for the wealth management products，using empirical analysis method， collected on June 6