Study On RMB Financial Products

In recent years, with the increasingly competitive financial industry, the development of innovative financial products is the consensus of the various banks. The bank financial products, as an important part of the mid-business, has become the various banks, especially small and medium banks to expand in key areas of innovation. The interest spreads of deposit and loan reduced constantly and greatly reduced the traditional revenue growth space, financial products as a new business, become a new profit growth point bank. The successful introduction of financial products, banks can secure more quality customers at the same time bring more revenue.This article refers to "Fast surplus" financial is a new product that cooperative banks and trust companies product. The product launch to achieve the types of financial products from a single line of "capital preservation" to "Non-Guaranteed," the successful transition. This article use this product as a starting point of the line from the distribution of wealth management products to the operational processes based on rationality and profit and loss, for the future development of products with innovative ideas and suggestions.This article combine with commercial banks, market positioning status, characteristics of customers, business development to determine the competitive advantage and competitive disadvantage of the financial products with SWOT analysis. This article will be divided into the following several chapters. First chapter, research of management theories of knowledge and analysis of the relevant research, financial business and financial products to the definition and classification.. Second chapter, to analyze of the current domestic and foreign commercial banks, personal finance market situation and trend analysis, including study abroad, some of the basic analysis of European and American countries are currently the main development of personal financial services. Third chapter, to concrete analysis commercial banks "Fast surplus" financial product, in which the business of commercial banks before the current overall development, status of commercial bank financing business analysis, and then to "Fast surplus " financial products starting point of commercial banks, development of financial products background, the operation of a specific elaboration. Fourth chapter, combined with the demonstration analysis, financial operations of commercial banks SWOT analysis. Specific research commercial banks face the current financial business strengths, weaknesses, opportunities and threats. Fifth chapter, through the previous sections of the analysis, the development of wealth management business of commercial banks to put forward specific proposals.