Research Of China’s Commercial Banks Financial Products

Since2004， Everbright Bank’s first financial product issuing， financialproducts market in China is showing a trend of rapid development. Just eight years，the roaring financial products affect the socio-economic deeply with many positiveand negative effects. If it is a positive impact， they have the right to guide， to takeadvantage of thus conducive to the overall economic development of the community;negative impact，will have timely discovery，and to identify the appropriate methodto improve， to avoid large problems. China’s current financial system is not perfect，and is also perfect for the supervision of commercial banks. Therefore， the problemof financial products research has far-reaching significance; This paper is divided intosix parts:The first chapter analyzes the significance of the topic as well as the backgroundenvironment， mainly financial products of China’s commercial banks financialproducts currently a general overview of the development of the situation， from thepublic relations level， the micro level; personal， corporate angle to summarizedescribed the process of selling financial products， its microscopic to constitutepurchase their motives.The second chapter of our existing financial products classification and to electseveral special financial products Intro; followed a detailed introduction to the currentissue of the status quo of the financial products in mid-2004to2011， in recent yearsthe development of data interpretation and explanation of the mode of operation ofthe financial products; from three angles of the commercial banks， investors，financial institutions and other third parties to explain financial products are so hothidden behind. Chapter of financial products issued on the stock market and deposit market.First issue of the status quo of the financial products market empirical analysis of thestock market， the stock market， was found between the two is a causalrelationship， while in reality we are not difficult to understand， the massdistribution of financial products is bound to seize the same stock as an investmenttool funds. Next， we have more far-reaching impact on the financial products marketsavings market research. We found that the financial products actually caused nosmall impact on the savings market. The savings market savings balance in thegrowth of the monetary aggregates， but not the growth in the past. Have to say， toseize a share of the savings market， a large part of the financial products market.Chapter of the U.S. interest rate market，for example，then the conduct of ourinterest rate market， and compared to research financial products， financialinnovation products driven by market-oriented interest rate after some comparison，from the point of view of the data role.Chapter first tool of monetary policy transmission mechanism， intermediategoals do first a brief introduction， our issuance of financial products then whatcaused the monetary policy which affected specific analysis， then we M2，measurement of total credit， deposit reserve found financial products have animpact， these intermediate goals will further result in the formulation of monetarypolicy， there are specific execution of all the negative， inaccurate impact.The last chapter，we find out solutions of the problems above. One to handlethe choice of monetary policy instruments，the choice of the target. There is a goal ofmonetary policy adjustments. The second is to steadily promote interest rateliberalization， with the medium of financial products， strive for the better in theinterest rate market conduct. Third is to increase financial products marketregulation， increase Information flawed. And take control of their own risk， andavoid financial products "shadow banking" in the development process of gathering too much risk， then the kind of risk caused by the U.S. subprime mortgage crisis. Sothat must be in before the advent of the risks， and strengthen supervision.