The Analysis Of The Factors Affecting The Return Of Personal Financial Products Of The Listed Banks In China

With the rapidly development of our social economy, more and more developed financial markets, finance and investment awareness of residents in China increase gradually, the bank financial products rely on the ideal investment income security and its good reputation, high rate becomes the choice of investment. Although for investors, financial product yield is essential to determine the factors of the investment, but at present our country investors to yield financial products and the influence degree of personal cognitive factors but not with the rapidly development of products and increase dramatically, and now the personal financial products in our country’s commercial banks there but the homogenization of serious phenomenon, to enable investors to not see things in a blur. Banks also need depth analysis of factors influencing the yield financial products, in order to design more in line with the needs of investors financial products, the most high level--listed bank model for the development of many commercial banks financial products represent the bank financing product development in china. Therefore, it is a great significance to study the factors that influence the listed bank personal financial product yield.This paper is divided into five parts. The first part, bases on reviewing the research literature of many domestic and foreign scholars, has explained the research background, research purpose and significance of the thesis.Through the study summarized, put forward the research framework of the thesis.In the second part of this paper is an important theoretical support, on the basis of the investment portfolio theory, life cycle theory, asset allocation theory and the theory of financial innovation,describes the listed bank personal finance product concepts and theoretical basis, laying the groundwork for the factors affecting the follow-up management product yield analysis.The third part, on the status of personal financial products income of listed banks in China are analyzed and studied all the rate and multi angle,and based on previous research results to analysis of macro and microcosmic factors influencing yield financial products.In the fourth part, on the impact of China’s listed banks personal financial product yield financial products own factor of the cross-section regression analysis,and on macroeconomic factors affecting the yield of time series analysis.Recommendations for investors and banks, remind investors of risk factors that affect the rate of return on the purchase of financial products, hoping to help the investment behavior ofinvestors; suggest that banks in the various factors on the yield financial products influencethe full understanding ofthe case design more in line with the demand of investors financial products, hoping to make valuable suggestions for the long-term development of China’s Bank financial products.