银行理财产品市场发展现状、存在的问题及建议

Development Status,Problems and Suggestions of Banking Financial Product Market

资管新规过渡期将于2021年底结束,意味着银行理财全面净值化时代即将来临。当前,银行理财产品市场上,净值型理财产品增长显著,成为市场主力,但仍面临产品信息披露透明度与基金相比差距较大、非净值型理财产品仍在发放、业绩比较基准未实现情况普遍存在、投资者教育存在短板等问题。为此,监管部门、银行机构、投资者等多方力量需要共同促进银行理财产品市场稳健发展。

The transition period of the new rules on capital management will end at the end of 2021,which means that the era of full net worth of bank fi nancing is coming.At present,in the market of bank fi nancial products,net worth financial products have increased significantly and become the main force of the market.However,there are still some problems,such as a big gap in the transparency of product information disclosure compared with funds,non-net worth financial products are still being issued,performance comparison benchmarks have not been realized widely,and investor education has shortcomings.Therefore,the regulatory authorities,Banking institutions,Investors and other forces need to jointly promote the steady development of the market.