The Structural Elderly Financial Management Of China's Commercial Banks Product Design

As China has entered the aging society,comrade Xi Jinping pointed out that in the nineteen major reports of the Communist Party,we should actively respond to the aging of population and speed up the programmatic opinions on the cause of aging and industrial development.China's commercial banks are specifically for the elderly as the market segments of the financial products less,the elderly want money can only buy more popular financial products,in view of this situation,design a customer base mainly for the elderly in the commercial banks of the strong financial products will become the starting point of this article.In this paper,structured financial products are used as the basis of design,aiming at the special group of the elderly,designed to provide most of the principal protection.In addition,because gold has a high investment value,it is designed to be linked to the current price of gold in London.This paper first analyzes and summarizes the commercial bank financial products of domestic and foreign literature,foreign scholars found on product pricing is more mature,while the domestic scholars to summarize the qualitative and descriptive majority,and specifically for a certain type of group and design financial products less,especially the old financial products.Secondly,this paper gives a brief overview of the concept,classification,status quo of the structural financial products of commercial banks' financial products and the elderly financial products.Then it summarizes the characteristics of Hengfeng bank,Citigroup and Swiss bank,and compares and extracts the essence.Thirdly,because the financial products designed in this paper are linked to the performance of gold prices in London,we must study the basic condition of the gold market.In the third chapter,I analyzed comprehensively in the world gold market supply and demand analysis,the gold market prices on the global and eight factors.The gold market last year in 2017 to do a simple summary of the status quo and the 2018 gold market price trend of the small fluctuations,the trend of relatively stable estimation.In addition,according to the current situation and forecast of the gold market,the basic design process as well as the bank's financial products,the fixed income and options on "Wanshoufu" as the name of financial products are set up and pricing,and then write the product specifications,illustrates the basic elements,the product of investment,cost,revenue and scenario simulation,clear risk warning,suggesting that investors should be aware of the risk of the products with the.Further and compared with domestic and foreign related financial products,the advantages of investment in this product are obtained.Finally,the product is marketing and promotion.The promotion of financial products requires demand analysis,supply analysis,and investment and behavior analysis.Besides,product market segmentation,target market selection and how to use product strategy combination to achieve product sales and customer relationship are also included.Thus,this paper will complete the product design from the literature research,the related financial products linked to the subject of the overview,market analysis,product design and pricing,specifications,risk disclosure and related case analysis,to the end of the product marketing,has completed a Chinese commercial bank guaranteed gold linked financial elderly the whole product design process.