Case Analysis On Structured Financial Management Products Of Golden Key Ruyi

Under the background of "New era","New economy" and "New Finance",the Chinese economy is undergoing a transition from high speed growth to high quality development,and the financial market is gradually entering a mature stage,and commercial banks are the main institutions of the financial market.They are also looking for new financing products in the process of continuous exploration.Among them,the development of financial management products is the most rapid.Financial products,as an investment product issued by commercial banks,are different from the traditional bank deposit types.It has been favored by more and more individuals and institutional investors.Structural financial products are the product of financial innovation in the field of modern financial engineering.A variety of features such as hooks.Compared with other general financial management products,such as other currencies,the expected return rate of structured financial products is higher,which is attractive to investors.But at the same time,because of its complex structure design,it is difficult for investors to judge the risk and return characteristics of the product itself.Therefore,it is of theoretical and practical significance to study and analyze a specific structural financial management product issued by commercial banks in China.In this paper,a structural financial management product issued by the Agricultural Bank of China,"Golden key Ruyi",is selected as a case study to explore the design and profitability of structured financial management products through the analysis of the income risks of the products.Research on risk control and related improvement strategies.In the "golden key Ruyi" financial products income research section,the focus is on the floating income part of the value calculation.In this paper,Monte Carlo simulation method is used to obtain the expected income distribution of the product,and sensitivity analysis is made to several important factors that affect the revenue.The purpose of this paper is to find out whether there is room for improvement in the product revenue design.For the "golden key" financial products The risk analysis is mainly aimed at the quantitative analysis of the market risk.Therisk value of this product is linked with the same mark issued by the Agricultural Bank of China in the same period.The "continuous bullish" products with the same duration and different structure were compared and analyzed,and the market risk of the "golden key" financial products was evaluated deeply and the strategies of avoiding the risks were put forward.The emphasis of this paper is to judge the investable value of the "golden key" financial products and to help investors to choose reasonable products,and at the same time,to improve the design of structural financial products in commercial banks.