经济下行期的商业银行理财业务:特点、问题及建议

Research on Commercial Bank's Financial Service in the Economic Downlink Phase:Characteristics,Problem and Suggestion

理财业务是我国商业银行近几年发展速度较快的业务之一。当前,受全球性金融危机和经济周期性调整的影响,国内商业银行理财业务面临着前所未有的挑战,呈现出了与以往不同的特点:理财产品收益率逐步走低,产品期限逐步缩短,甚至产生了"零收益"等一些问题。本文对此作了剖析,并提出了加强市场研究、建立理财师约束机制等发展我国商业银行理财业务的相关建议。

In recent years, personal financial services of commercial bank develop fast. Affected by the global financial crisis and the economic cycle adjustment currently, domestic commercial banks are confronted with unprecedented challenges in personal financial services. Personal financial services in China show the new characteristics, such as the lower yield and the shorten period of the financial products. At the same time, it has had ＂zero income＂ and other difficult problems. This paper makes a profound analysis on the problems, and then makes recommendations for the development of commercial bank of China＇s personal financial services such as strengthening market research, establishing a mechanism to restrict financial planning managers and so on.