我国商业银行结构性理财产品的现状、特点及发展

The structure financial product of Commercial Banks:Reality,Features,and Development

结构性理财产品是将固定收益证券的特征与衍生交易特征融为一体的新型理财产品,可以满足不同投资者的需求,是商业银行理财产品的重要部分。从目前看,我国商业银行结构性理财产品还缺乏相应的衍生工具市场,商业银行投资主体地位还没有确定,发展还远不成熟,有很大的增长空间。本文分析了我国商业银行结构性理财产品的现状、特点、发展趋势及其创新的障碍。

Structured financial product of commercial banks is a new financial product, which combines the features of fixed return securities and financial derivatives. It will meet demands of different investors and is the substantial part of financial product. Nowadays, derivative instrument market is needed to support structured financial products, and the investment status of commercial bank is not established. This paper analyzes the reality, features and development trend and the obstacles of structured financial products innovation.