（正文）利率市场化下对我国银行理财产品的影响研究.doc

经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 精心整理 仅供参考 勿用作商业用途 论文对概念的介绍偏多，缺乏对案例企业及其在研究主题方面存在问题的深入分析，既空洞无物，也容易在机检查重时通不过，请花点时间和功夫，顺利毕业 利率市场化下对我国银行理财产品的影响研究请按学校的规范格式编辑、排版，现在不收草稿了 请按学校的规范格式编辑、排版，现在不收草稿了 摘要：随着当下央行连续四次调整存款基准利率，表明当下我国利论文对概念的介绍偏多，缺乏对案例企业及其在研究主题方面存在问题的深入分析，既 论文对概念的介绍偏多，缺乏对案例企业及其在研究主题方面存在问题的深入分析，既空洞无物，也容易在机检查重时通不过，请花点时间和功夫，顺利毕业。 本文通过研究当下利率市场化发展的进程及其存在的问题，分析其存在的制约因素。然后对我国理财产品进行阐述，并分析银行理财产品对利率市场化的推进作用以及利率市场化对银行理财产品的发展影响。最后提出市场利率化条件下银行理财业务的发展策略，从而总结全文。通过这一系列的研究为利率市场化银行理财产品的长远发展提出一些借鉴和参考，以期能够更好的促进利率市场化下我国银行理财产品的发展。 关键词：利率市场化；理财产品；影响 Abstract The adjustment of deposit with the central bank four benchmark interest rate, show that the present Chinas market-oriented interest rate reform has entered a new stage, in such an environment, ushered in a new development direction of Chinese financial reform. Major achievements have been made in the reform of interest rate in our country, makes the financial market in China is more open, in such an environment, intensifying competition between the major commercial Banks in our country, in order to absorb more of the deposit and wealth management products, commercial Banks also on bank financial products for a variety of product research and development of combination, aims to sell more financial products for customers, in order to take profits. This article through studies the development of the current interest rate marketization process and its existing problems, and analysis of the existing constraints. Then elaborates the wealth management products in China, and analyze the bank financial products the promoting role of marketization of interest rate and interest rate marketization on the development of bank financial products. Finally put forward the market rate change under the conditions of bank financing business development strategy, and summarizes the full text. Through a series of research for the long-term development of the market-oriented interest rate bank wealth management products offer some reference and reference, in or