Research On The Benefits And Risks Of Structured Financial Products

There are many types of structured financial products linked,and their final income consists of fixed income components and floating income components that change with the underlying object.The design terms are flexible,and the benefits are often higher than the corresponding regular periods.The proceeds from deposits have therefore been sought after by investors.However,structural financial products have entered China's wealth management product market relatively late,and the corresponding market system is not perfect.There are still many problems.For example,there are not enough risk warnings for products,too much emphasis on high-yield products,and structural clauses are more complicated,making it difficult for investors to fully understand the fact that product types are relatively single and the funds raised are difficult to fully utilize.This shows that China's structural financial product market has a very broad development space and a huge potential for development.In view of the current development of our country's structured financial products,this paper proposes feasibility proposals for investors investing in structural wealth management products from the perspective of investors,thereby enhancing the ability of ordinary investors to select structured financial products.The full text begins with the background of the high inflation rate and low deposit interest rate in China that people have to find suitable investment channels,and conducts a statistical description and analysis of the wealth management product market and structural wealth management product market in China at the current stage.By using the GARCH-MC-VaR method to analyze and summarize the risks and benefits of a structured financial product,it concludes at the end of the article that as an investor should not only focus on the expected maximum yield of wealth management products,it should also focus on financial products.The maximum loss,the possibility of maximum loss,whether it meets its own investment philosophy,and whether the maximum loss is acceptable.Investors with stronger risk tolerance,such as risk enthusiasts and risk-neutral investors,may consider investing in structural Financial product.Finally,from the investor's point of view,it proposes reference opinions on the investment of structural financial products.