Research On The Financing Products' Return Of Commercail Banks

As a sort of financial product, financing products of commercial banks are very important investment channel to residents, and they are also the main part of the bank's business and bring great profit to bank. The advantages of financial products are that it can be designed with different duration, yield to meet the investor's need.Now, the financing product market of China is just an emerging markets it just have less-than-10-year history in China. However, according to the mature market in western country and financing need of Chinese investor, the market is boosting with a visible speed. As the savings of our residents is growing fast and foreign exchange gained from export-import trading is increasing, financing products of commercial banks is definitely to be another kind of specialized and gather investment products. Now, there are various kinds of financing product,what different characteristics do they have?Why the yield gap is getting bigger than before? How do commercial banks grasp the market? All these are the problems that we need to research and resolve.The paper at the very beginning introduces the concept, history, characteristics, category and market size of commercial bank's financing products. According to the effective rate of return of financing product. Then, under the variety of financing products, taking the commercial bank's financial products as the object, concludes the effect factors of financing product's return both inner and outer.Beginning with the financial crisis in 2008,the instability of the global capital market prevailed over every corner of the world. The financing product has stood a severe proof, In the recent years, many commercial banks'products turned out to be "zero" income, and we may easy to find out that the realized returns of the products has a big difference from the anticipate returns. Firstly, the text mainly investigates the innate design defect in the commercial banks' products. Secondly, due to some kind of financing products directly link to the capital market so that the market falling is another reason.Otherwise, the financing market just has less-than-10-year history in China. Although the history is short, the market is boosting with a visible speed. However, there are still many problems in financing product market, such as the unreasonable structure of financing product; product homogeneity in the market; the exposure of risk; lacking in supervise etc. The paper analyzes some key problems of the market and makes related suggestions.