Research Of Bank Financial Product

As one of the emerging tools for wealth management in China, the bankfinancial product has become an important part of the Chinese assets market-Currently, the development of the financial markets in China still lacks in depth, withlimited proportion of social financing carried out through direct approaches such asstocks, corporate bonds, and trust loans, and investors only having a narrow range ofchoices for managing assets. Under such circumstances, it will influence the structureof the financial markets and marketization of the interest rate in many positive waysto develop the bank financial product.In this paper, we analyze the bank financial product thoroughly in order to provide aclearer perspective on this emerging but controversial piece of market.We investigate the market condition, product pricing, operation mode, and thecorresponding risk of the bank financial product. Data and figures are shown todescribe the current market and its possible directions, followed by an analysis onthe pricing principles and methods of the existing bank financial products, which alsoshed some lights on the investment timing and choice of investors. At the end of thepaper, some controversial topics about the market such as "the shadow bank" and"the Pang’s fraud" are reviewed and analyzed, along with some suggestions.