我国商业银行结构性理财产品:特点、问题与对策

Structured Investment Product of Commercial Banks in China:Characteristics、Defects and Proposals

结构性理财产品是商业银行个人理财业务的新兴领域,在我国处于起步发展阶段,目前存在着产品标的和结构单一、产品雷同、风险梯度和支付条款设计不合理、营销和服务专业性不强等问题。进一步推动结构性理财产品的发展,应通过增强开发能力促进产品多元化,"以客户为中心"打造品牌,发挥第三方机构的咨询和评级作用,向"风险监管"模式转型。

Structured Investment Product is a brand - new area of the financial planning operations of commercial banks, this type of investment product is still in its beginning phase in China and presents many defects： its underlying financial instruments and inter- nal structures are too few, different products are extremely Mike, the design of risks and payments is not completely justified, and marketing and service methods are not very professional. For the further development of Structured Investment Product in our coun- try, the categories of products must be more varied, banks should create brands aimed at satisfying potential customers, the function of neutral financial institutions needs to be underscored, and the mode of supervision ought to place an higher value on risk control.