摘要
随着经济的迅猛发展,仅仅银行储蓄难以满足居民多层次的理财需求,在这样的环境下,个人理财产品营运而生。商业银行作为主体提供理财产品,在产品营销方式上存在许多问题,使得商业银行理财业务不能顺畅发展。本文剖析了商业银行理财产品当前所存在的各种问题,迫切的需要解决的问题,想办法提高商业银行理财产品质量,以期待能够持续、稳定的发展商业银行理财产品。
With the rapid development of economy, only the bank savings can not meet the multi- level financial needs of residents, in such an environment, personal wealth management products and health. Commercial banks as the main provider of financial products, product marketing methods there are many problems, making the commercial bank financial business can not be developed smoothly. This paper analyzes the problems existing in the financial products of commercial banks, the urgent problems that need to be solved, and the ways to improve the quality of commercial banks＇ financial products in order to realize the sustainable and stable development of commercial banking products.
作者
练楠
Liannan Hunan(University, Changsha 410012, China)
关键词
商业银行
理财产品
产品营销
commercial bank
financial products
product marketing
