The Commercial Bank Rmb Manages The Finances Returns Ratio Influence Factor Research

In recent years, the development of commercial financial products is very quickly, has become an specialized and collection important force in investment banking. Financial products as a commercial bank financial products, are important to finance and investment channels, to encourage people to use idle funds to increase the welfare of the people, improve the economic and financial system, and promote the sustainable and stable development. in various financial products of Commercial banks, the RMB products is clearly the most important aspects. But the domestic ommercial banks's RMB financing products have poor innovation, serious product homogeneity problem, no security. So it needsto be studied and improved.This article has introduced a commercial bank personal finance business development, various financial management theory, and the development of these theories in China, financial product yield factor. Then, according to China's financial environment, analysis of each financial product data of the China Industrial and Commercial Bank in 2006,2007 and 2008. Using descriptive statistics and correlation analysis, getting results:Commercial Bank RMB financing products of returning rates and interest rates, currency supplying amount was a negative correlation relationship, but are not significant in correlation with the terms.According to the results from a commercial bank personal finance business, the angle of the RMB wealth management products on the domestic commercial banks, I give the some suggestions of personal financial products.