Comparative Research On The Return And Risk Of The Bank And Credit Cooperation Financial Products

With the accelerating pace of the development of domestic economy and the increasing personal income and desire for the professional financing service, the traditional investment channels can no longer satisfy people's financial need. China's banking industry is now experiencing to be more open up and expand its investment channels. At the mean time, the financial products of our commercial banks are also in a rapid development. These services now bring great profit for the banks and become the key point to enhance the core competitiveness of the commercial banks.But we can not deny that compared with the foreign countries, there is still a noticeable gap exists. Our financial products market with an imperfect structure is still lack of relevant laws and regulations and people's investment psychology is very immature. The article focuses on the basic characteristics of Bank and Credit cooperative financial products by using comparison methods, and tries to understand the return and main risk of the product. Hope our commercial bank financing business will develop in a healthy and regulated way.The paper studies the financial products of China's commercial bank especially the risk problem of Bank and Credit cooperative financial products through the combination of theory and practice. The main content as follows:The first part, Introduction of Bank and Credit Cooperation financing business. Demonstrate the present situation of the Bank and Credit Cooperation financing business by classify this financial services. And try to find out the underlying causes of the development of this service.The second part, To analysis the products return rate according to the Bank and Credit Cooperation financial products by using the regression and comparison research method.In the third part, reveal the risk of the Bank and Credit Cooperation financial products, compare the similarities and differences of the risk and provide the preventive measures of the these risk.