Research On Benefits And Risks Of Wealth Investment Products Of Commercial Of China

Thanks to the rapid growth of China's economy, residents' income continues to rise. In recent years, with the continued downturn in the stock and fund market and the gradual implementation of the regulation and control policy over national property market, deposit interest rates have been substantially slumping. Bank financial products, for its relatively lower risk, stability of earnings, bank credit collateral, its convenience and the like, incite a large number of domestic savers and investors began to transfer the cash flow of funds to the bank financial products. However, there are still a lot of problems in the development of the financial services of China's commercial banks——For example, despite the large quantities, the financial products are still lack of innovation in structure and category; And the yields are frequently far below the expected rate or even in red ink.Through the introduction of financial products, we have a direct understanding of the revenue of financial products.,risks of the financial products and their influence on the income. Moveover, via the comparative analysis of the financial products of this bank and other commercial banks, this article is to probe into the problem and give reasonable recommendations. The author divides the paper into five parts. The first part is the introduction, including the research background, purpose, significance, relevant researches at home and abroad, content and the methodology; the second part displays the foundamental theories of financial products; Part Three demonstrates and reviews the financial products development process of China's commercial banks. The fourth part carries out a case analysis of the benefits and risks of financial products from Construction Bank by comparing them with the financial products of three major state-owned commercial banks and other small commercial banks in expected and actual earnings. Advantages and disadvantages of financial products from Construction Bank is analyzed as well. The last section is the conclusion and Countermeasures Proposed, combined with the actual situation of the Construction Bank, to improve the bank's financial products revenue capacity and effective control of the risks.