广西区域内商业银行理财产品市场发展比较研究

A Comparative Study On Development Of Regional Commercial Bank Financial Products Market In Guangxi

发展差异化区域性理财产品市场是金融资源服务区域经济的重要形式。通过对广西各经济区域理财产品市场发展状况的横向对比,得到的基本结论是,人均经济总量的大小是区域理财产品市场发展的物质基础。广西区域内商业银行理财产品市场存在金融机构研发能力不足,缺少专业投资管理机构,产品设计同质化严重,与实体经济关联性弱等问题。与沿边金融综合改革试验区相结合并突出区域特色,创新理财产品的运作机制是最主要的发展措施。

It＇s an important form to develop differentiate regional bank financial products market that promote financial resources serve for regional economy. A fundamental conclusion can be made that the scale of economic aggregate per capita is the material basis to develop regional bank financial products market, through contrast the developing situation of bank financial products market in the economic areas of Guangxi. Bank financial products market in Guangxi have some problems, such as insufficient of research and development capacity in local financial institutions, lack of professional invest management institutions, highly homogenization on product design, and weak relatedness to the entity economy. As a result, the most primary development measures is included that to combine with the edgewise financial pilot region for comprehensive reforms and form the characteristic. As well, the operation mechanism of bank financial products should be innovated.