论我国商业银行理财产品业务风险管理

Analyses our country commercial bank financial product business risk management

我国商业银行理财业务近年来得到了迅猛的发展,一些影响制约银行理财产品业务发展的风险也逐渐暴露出来。对银行理财产品的设计、销售、运作再到最后的收益分配这一个完整的流程进行考察,全面揭示其中蕴含的主要风险,并有针对性地提出防范风险的建议,这将有利于我国银行理财产品业务的健康发展,实现我国银行理财产品业务真正的"做大、做强"。

In recent years,commercial bank financial services in our country has been developed rapidly,certain risks that influence and restrict the development of banks financial products business have gradually emerged.In this thesis,the process of designing,selling,operation and income distribution of banks financial products is targeted to reveal the main risks hidden inside,and comments on precaution of the risks have been made.This is of much benefit to the healthy development of banks financial products services,making the financial products services of our country ＂larger＂and ＂stronger＂.