Research On The Commodity Constitutive Property Managing Finances Product In China

Along with our country economy's development and the swift growth, the people received also unceasingly grow, accumulated many wealth, how did effectively management these wealth and make it to play the major role, thus realized its store of value, the increment goal, has become the people's most urgent demand. Under this situation, each big bank and the managing finances organization, realized this kind of opportunity, has promoted and designs the new financial managing finances product unceasingly, on the one hand meets people's need, on the other hand comes for the development, cultivates the new point of growth. In these great variety in the middle of the managing finances product, the constitutive managing finances product by itself may the selectivity characteristics and so on many, high incomes, has attracted the customer attention and the attention, the constitutive managing finances product gradual trend market, and brings more investments for the customer to choose and to create the wealth the opportunity.Structured Product is a kind of important creation, as it start very late in time, it get fast development in China. Structured product gives commercial bank a new point of profit growth. It needs to point is at present Structured product has some problems in fluidity, design and pricing because of short time of development. How to effectively solve these problems has very important theory and practice meaning for the development of structured product.The constitutive managing finances product type is many, according to the different classified way, the constitutive innate disposition property has contained many kinds of investment ways. For instance the constitutive managing finances product may according to divide into with some kind of sign suspension hook:The interest rate constitutive property managing finances product, the exchange rate constitutive property managing finances product, the commodity constitutive property managing finances product, can the credit constitutive property managing finances product and so on, whether there is according to the capital risk, divide into; Suffers no loss of capital with must suffers no loss of capital the managing finances product and so on; May divide into according to the fluidity the constitutive managing finances product the short gas, the intermediate stage as well as long-term and so on. This article needs mainly to study is about links up the commodity constitutive property managing finances product. The so-called commodity constitutive property managing finances product is this constitutive managing finances product which refers to mainly through the purchase international commodity index fund or the direct purchase commodity index contract, or chooses some kind or several kind of commodity future takes the investment, with international commodity suspension hook. Generally speaking, the suspension hook commodity's constitutive managing finances product completely or the majority of capital will invest in the regular earnings product, will use the small partial capital and the interest carries on forward, derivative product transactions and so on stock, option and exchange, will thus realize will suffer no loss of capital under the goal will seek the possible high income.Commodity structured product is an important kind of structured product. This paper does empirical and theory research to commodity structured product. This paper includes five parts:the first part is the introduction to this paper which includes some argument and explanation to the research background and meaning, method and literature reviews. The second part mainly does analysis to the theory of Commodity structured product. The third part does analysis circumstance and problems of Commodity structured product, at the same time this paper offer some good suggestion for development of Commodity structured product. At present our country commodity constitutive property managing finances product, in the product design, the fixed price as well as the risk management and the control, has many problems, this article main pointed question, launches the analysis, and aims at the question which the commodity constitutive property managing finances product exists, launches the countermeasure research, this article thought that our country commodity constitutive product should pay great attention the income and the risk management, should more carry on scientific in the product design and the fixed price aspect processing, certainly, because our country commodity constitutive property managing finances product development's time is also quite short, the people with grasp the existence insufficiency to this product in the understanding, is also understandable, believes along with the people to this plants product more practices and the operation, the commodity structure managing finances product is fixing a price as well as other operation aspect, can be maturer and be scientific; The fourth part does empirical research to the pricing of Commodity structured product. In the end it has come to some conclusion.