黑龙江省银行理财产品发展问题研究

On Development of Heilongjiang Bank Financing Products

近年来,银行理财产品已成为推动理财市场发展的主要力量。金融危机的到来,暴露了理财市场中的诸多问题:主要体现理财业务发展空间有限、理财咨询师专业素质低、投资者理财知识水平不高、理财环境差距大。黑龙江省发展银行理财产品,应巩固银行理财产品在市场中的地位,拓展业务空间,实施产品多元化和服务全面化战略,以发展和培育一个层次清晰、形式多样、服务高效和竞争有序的理财市场。

Recently, bank financing products have become the main power promoting development of financing market. With the coming of financial crisis, many problems emerge in financing market, which are mainly that the development space of financing business is limited, professional quality of financing consultants inferior, the investors＇ financing knowledge lower, and the gap of financing environ- ments large. In Heilongjiang Province, we should consolidate the position of bank financing products in market, expand business space, and take the strategy of pluralistic products and comprehensive service to develop the financing market with distinctive levels, diversified forms, effective services and orderly competitions.