The Research On Financing Products Structure Design And Investing Model

Development of commercial financial products very quickly,has become an important power in our specialization, a collectionof finance and investment. In2012, China’s commercial banks ofvarious types of financial products issued30,000balance, the totalsize of nearly7trillion in assets under management, the type ofinvestment targets continue to break people’s imagination.Investment assets from money market, the interbank market,private debt, Debt financing, equity financing asset class andderivative securities class bulk commodities futures under, forwards,options and other financial derivatives to high-end art, red wine,white wine to tea, watches, diamonds, and has recently appearedin the investment ham, porcelain and other financial products.Commercial bank financial management product line andinvestments are also constantly improve, the explosive growth infinancial assets under control, at the same time, with trust, securities, funds and other financial assets institutions in thebroader areas of cooperation.The design of the commercial bank financial products whatkind of characteristics do you have? Bank financial products whenthe design how to balance work? The problem we need to in-depthand thorough analysis of commercial bank financial productsdesign characteristics and actual operation mode.This paper mainly studies the characteristics of the commercialbank financial products design and actual operation model of assetmanagement, and explore the future direction of research productsand practical significance. At first, this paper introduces thehistorical background at the birth of commercial Banks to financeproducts and related concepts, characteristics and developmentpresent situation, and make simple statistics on the yield ofproducts. According to the commercial Banks to issue the reasonand purpose of financial product, financial life cycle theory as thecore of analysising the demand for investors, financial planningtheory from two aspects of supply and demand of commercial bankfinancial management products, analyzed the commercial Banksare facing the target market and investor demand. Secondly,starting from the design principle of financial products, analysis ofthe design principle of the commercial bank financial products and the actual assets operation in various operating mode, combinginvestments made in different systems of the combination ofvarious assets operation method and architecture; At the sametime, according to the characteristics to the commercial bankfinancial products, financial product risk identification and riskmeasurement is analyzed. Finally, in this paper, the practicalsignificance of financial product development and future trend ofthe development of in-depth discussion and analysis.Through research, this paper get the following conclusions:First of all, with the approaching of the marketization of interestrate and further deepen the financial markets, Banks face thepressure of financial disintermediation trend and adjustment hasbecome increasingly viewable, the pressure also reversedtransmission constantly thinking about business transformationdevelopment, commercial Banks through innovative financialproduct development model to improve bank income structure,expand the intermediate business revenue accounted for. Secondly,the improvement in the factors of the domestic financial market,further diversification of capital platform to investment, makeavailable for financing business cooperation channels to get thelarger development, trust schemes, asset management, securitiesinvestment funds, stock index futures, commodities futures and stock repurchase pledge assets are the range of financing businessto invest. Thirdly, in the operating mode, architecture design, capitaldocking and compliance clause is carried out for all aspects of thecommercial bank innovation measures, all kinds of products fromthe design level, yield path and the probability calculation onexpanding the innovation in the breadth degree and depth degree.Commercial Banks should use their own credit client base is big,good quality, personalized design for all kinds of investorsprevention, reserves, investment, multi-level financial plans, tobetter echo financial needs of the investors, stimulate the deepdevelopment of financial business.