Analysis Of Bank Wealth Management Products In China

With China’s rapid economic development, people’s income level has dramatically increased, but due to the limit of investment channels and qualifications, so that investors stop in many fields, coupled with the rise of the domestic price level, the meager savings of commercial banks interest rates has been unable to meet investor demand, the market is in urgent need of professional financial institutions for investors to manage assets, bank financial products emerged. The emergence of commercial banks financial products to provide investors with the opportunity to participate in the broader market, so that investors are able to share the benefits of the development of various economic sectors. Commercial banks financial products to the commercial banks for the customers’ needs and provide professional financial plan.The first RMB financial products issued from2004Everbright Bank, China’s financial products market has developed for nearly a decade, hundreds of financial products issued by the end of2011a total of20,000financial products from the initial issues per year, a short period of over a period of several years, the financial products market there has been explosive growth, both from the number of the issuing bank, issuing currency, product structure design has a lot of progress, but there are also a lot of problems, such as the commercial bank design product homogenization problem is serious, structural class financial products issued by the small number of, mainly on credit, interest rate products, the main function of the product broadly to escape the control of the central bank’s monetary policy on bank credit issue size, or to cope with the regulatory the end of the quarter or the year-end balance of regulatory large issue in disguise "the high interest Lanchu" products, providing specialized real investors, less personalized financial services products, so we look at the entire commercial banking changes in the number of financial products issued, always with the performance of financial markets, and ups and downs, the second is the change in the policies and activities of the financial regulatory institutions, tend to be a significant impact on the release of financial products, such as commercial banks through cooperation and trust institutions the issued credit class financial products, the bank’s own loans packaged for sale to investors, in order to optimize the bank’s asset and liability structure, but this behavior of the banks may be the problem of moral hazard, damage to the interests of investors, will also affect the entire financial the stability of the system, so the introduction of policies of regulatory agencies limit this cooperation Bank and Trust, this year the issue of the number of financial products. For commercial banks to circumvent the regulation of the main theme of product innovation and motivation of independent innovation is obviously insufficient.This paper will review the development of financial products market in China’s commercial banks, introduction of financial products generated reasons, the course of development as well as domestic financial products types, then by2005to2011, a total of six years of data on the issue of the number of financial products in China, the main issue of the conduct of analysis, summarized the changes from2005, China’s financial products from a number of the main issue, the issue of currency, etc., and trying to identify the underlying reasons for each change, paper Finally, put forward the improved policy proposals on the financial products market in China.