商业银行理财业务：年度回顾与展望

Commercial Banks' Financial Services:Annual Review and Expectation

2007年是商业银行理财业务高速发展的一年,这不仅表现为理财业务主要载体之一的理财产品规模的迅猛增加和种类的进一步丰富,也表现在产品发行机构的数量扩张,以及监管政策的及时调整等各个方面。但同时,银行理财业务开展中所暴露出来的服务内容欠缺、服务质量不高等问题也更为集中和具体。对2007年商业银行理财业务的上述各个方面做一个简要的回顾与评述,也对其未来发展做一些分析与展望。

Commercial banks＇ financial services had a rapid development in the past year 2007. This is not only rep- resented by the significant increase in the scale and the more enrichment in the types of the financial products which is the basis of financial services, and is also reflected by the quantity expansion of the products issue institution, the adjustment in time of the supervision policy and so on. But in the meantime, the problems displayed in the development of banks＇ financial services such as the lacking of services content and the low quality of services became more concentrated and concrete. This paper gives a brief review and comment in these aspects mentioned above of commercial banks＇ financial services in 2007, and also has some analyses and expectations in the future development.