Research On The Development Of Financial Products Of Commercial Banks In China

Since earl) 2004 issued the first wealth management products in China, commercial Banks innovation, make the style as well as the kind of financial product and the design of distribution and the size of the funds are constantly updated, making bank financial products in a rapid growth trend. Although 08 in the United States subprime mortgage crisis under the influence, make domestic economic growth is slowing in China, domestic and foreign financial and commodity markets extremely unstable, but bank wealth management products in China is not too big impact, is still in sales hit a new high, the size of its proceeds beyond insurance, trust financing, public funds and other financial products, and a major force to promote the development of domestic financial market, and keep high speed growth for a long time. Although our country commercial bank financial products achieved rapid development in the short term, but also left a lot of problems at the same time, this article through the literature research and expert consultation method, theoretical research methods, data collection and interviews and other methods, by discovering problems, analyzing problems and the research train of thought, to solve the problem of our country commercial bank financial product development research, analyzes its development present situation, analysis the existing problems and causes problems, put forward the corresponding development countermeasure.