The Research On Development Countermeasure Of The Chinese Banking Structured Product

As the policy of Open and Reform was put into effect, the economy of China isblooming and the disposable income level of residents continues to improve. At the sametime, the requirement of investment is growing fast. To meet the growing investmentneed of the individual investor, the structured o product, which is a new financial productimport from aboard, is developed rapidly. According the different requirements of theinvestors, the professional instruments, such as banks, design structured productswith.different subject matters and contract. Because of the flexibility and professional ofthe structured product, it has become one of the main products in financial managementmarket in China and it will flourish in the future. However, so far, as the financialderivatives market develops incompletely and the innovational ability of the Chinesebanks is limited, the Chinese banking structured product is still far away to mature.This paper insists of six parts. In the very beginning, the writing background andsignificance is pointed out. Then the relevant concepts and theories of the structuredproduct are introduced. The third part emphasizes on the development status of theChinese banking structured products and analysis the problem and its reasons. The forthpart researches on the international markets, describes the situation of different areas andsum up experiences. At last, focusing on our national condition and considering theexperiences of other countries, the fifth part gives specific suggestion, and the sixth partmakes a conclusion.