| 以下仅列出文章摘要、提纲简介，如需获取全文阅读权限，或原创定制、长期合作，请随时联系。 微信QQ:312050216 |
 |
 |
| 基于风险收益比较的理财产品选择研究
摘要
随着经济社会的发展，我国居民财富增长明显，但在经济升温和通货膨胀等因素的影响下居民的财务储存方式出现多样变化，现金已经是最为常见的形式，但居民选择股票、期货等的比例也随之增长。在这种背景下，我国居民投资的意识和行为逐渐热烈，并且多元投资理念已经深入人心，一定程度上有利于我国资本市场的多元化发展。这就催生了一种可以通过多种投资方式组合形成的理财方式及理财产品。
理财产品在我国资本市场发展较快，已经蛇深的投资者们的喜爱。本研究中则是对国有商业银行发行的理财产品及收益情况进行分析，文章通过风险收益视角进行理财产品的研究，再结合国有商业银行理财产品和其他类型商业银行理财产品的收益比较基础上发现国有银行理财产品信息数据披露程度较高，发行规模比较大，已经出现了差异化竞争的趋势。不过，再和股份制商业银行对比时仍然存在差距。而国有银行理财产品在和基金的比较中也各有不同。
本文基于以上研究结论提出参考建议，主要包括加快银行零售业务转型，加大创新力度，促进产品多元化；重视差异化竞争策略，增强经营的灵活性；加强理财产品的风险管理，提高理财产品性价比等等。希望本文论述可以为理财产品的设计及投资提供帮助，有利于我国金融市场的健康成长。
关键词：国有商业银行；理财产品；金融创新；投资收益
Abstract
With the development of economy and society,the wealth of residents in our country is increasing obviously, but under the influence of economic warming and inflation, the financial storage mode of residents has varied, and cash is already the most common form. But the proportion of residents choosing stocks, futures and so on also increases.Under this background, the consciousness and behavior of residents' investment in China are gradually enthusiastic,and the concept of multiple investmenthas been deeply rooted in the hearts of the people, which is to a certain extent conducive to the diversified development of China's capital market. This gives birth to a combination of multiple investment methods and financial products.
Financial products in China's capital market development faster, has been deeply loved by investors. In this study, the financial products and income issued by state-owned commercial banks are analyzed. Based on the comparison of the income of state-owned commercial banks and other types of commercial banks, it is found that the information data disclosure degree of state-owned bank financial products is high, the issue scale is large, and there is a trend of differentiated competition. However, there is still a gap with the joint-stock commercial banks.And the state-owned bank wealth management productsin comparison with the fund also have Same.
Based on the above research conclusions,this paper puts forward some suggestions, including speeding up the transformation of bank retail business, increasing innovation, promoting product diversification, paying attention to differentiated competition strategy and enhancing the flexibility of management. Strengthen the risk management of financial products,improve the cost-performance of financial products and so on. It is hoped that this paper can help the design and investment of financial products and help the healthy growth of China's financial market.
Keywords： state-owned commercial banks；financial products； financial innovation； investment returns
|
