浅析银行理财产品—以招商银行“金选双赢”理财计划为例随着居民家庭所积累的财富的不断增长，居民可支配收入不断增加，理财观念也逐渐增强。人们越来越认识到个人理财的重要性，个人理财服务需求在中国越来越强烈。出于对银行的信任，很多人把目光投向了商业银行理财产品。“金葵花”系列之“金选双赢”理财计划是由招商银行推出的一款理财产品，存续期为两年，产品到期日产品净值为0.6147元人民币，也就是说到期损失近四成。损失位于2010年的所有到期理财产品亏损之首，这是一系列的问题造成的结果。本文以招商银行“金选双赢”理财计划为例，探讨商业银行理财产品存在的问题。本文对理财产品运作，银行的行为，投资者抱怨等方面进行分析,从产品设计，产品的销售，投资策略等方面寻找理财产品的不足之处，对产品的设计、运作、销售、监管等方面提出对策建议。 关键词：金选双赢；银行理财产品；收益 Research on bank financing products – taking "Win - win Gold Election " Financing Scheme of China Merchants Bank for an example ABSTRACT Along with households accumulate wealth continuously increasing, the residents' controllable income continuously increase .And their concepts of financial management gradually build up .People are increasingly aware of the importance of personal finance. The need for personal financial service in China becomes more and more stranger. In banking trust, a lot of people have paid attention to the commercial bank financing products." Win - win Gold Election " Financial Scheme in Golden Sunflower " Series was launched by the China Merchants Bank, a financial products sustained for a period of two years. The net worth of the product is 0.6147 yuan in maturity date, which mean the loss is nearly 40%. The loss is the expire of all financial products on 2010 and the loss is in result from a series of problems. This article take " King sings win - win " Financial plan of China Merchants Bank for example,talking about the problems in financial products. This article analyzed the finance product operation, the behavior of the bank and complaint of investor, etc. It looks for problems of financial products from product design, product sales and investment survey, and so on. It put forward proposals in product design, operation, marketing, supervision, and so on. Key words: Win - win gold election; Bank financing products; Return
*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】
