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1、摘要?jiǎng)?wù)對(duì)我國(guó)來說是一個(gè)新興的業(yè)務(wù)，此時(shí)對(duì)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品進(jìn)行研究，具有很強(qiáng)的現(xiàn)實(shí)意義。關(guān)鍵詞：個(gè)人理財(cái)產(chǎn)品、問題、對(duì)策5N警鴨。疋氣ASTRACTInrecentyears，withthestabledevelopmentofChina'seconomy，theoverallincomelevelofresidentsandthetotalfamilyfinancialassetsriseandthefamilywhohasfinancialassetsofmorethan1millionUSdollarsinthe
2、ChinesemainlandinMarch2007hasbeenreached320，000，people’sfinancialmanagementdemandincrease，manyfamilieswillgraduallychangeasingledepositintodeposits，securities，缸1dmanagement，financialproducts，andotherformsoffinancialassets，bearingcertainrisksinordertoobtainmoreben
3、efits．Amongthem,thecommercialbanksarebeingmoreandmorefavored．becausetheirpersonalfinancialproductswithlessrisl【，speciesarerichandthechannelsisveryconvenient．Since2004ChinaEverbfiightBanklaunchedRMBfinancingproducts，thedomesticcommercialbanksreceivedrealbreakthrou
4、ghsinfinancialmanagementbusiness．thesizeoffinancialproductofcommercialbankswillbenearly1trillion．融paperisdividedintofivechapters．thefirstchapterisaoutlineofpersonal丘Ilanceproductsofcommercialbank,itisinthreeparts．Thefirstsectionsetsoutthedefinitionofpersonalfinan
5、cingproduc塢；thesecondpartanalysesthecharaOeristicsofpersonalfinancingproductincommercialbanks．Thethirdpartistheclassificationofthepersonalfinancingproductsbycurrency，proceedsandtheinvestmentarea．Accordingtodifferentcurrency，therenminbifinancialproductsincludeRMBf
6、inancialproductsandforeignexchangefinancingproducts．Accordingtothedifferentwaysofobtainingproceeds，thefinancIngproductsCallbedividedintoguaranteedincomeproductsandnon—guaranteedincomeproducts．Aecordingtothedifferentareasofinvestment，financingproductscanbedividedi
7、ntothebondtype，trust—based，capitalmarket—based，andQDⅡ一linkedproducts．ChapterHisaanalysisofthedevelopmentofthepersonalfinancialproduct，itisinthreeparts．111efirstpartistheanalysisoftheRMBfinancingproducts．itis1focusedOnthedevelopmentofrenminbifinancialproductin2006
8、，andisembodiedaSfollows：thenumberofRMBfinancialproductishugeandtheexpectedmonthlyyieldrise，fixedincomeproductsarestilldominant；medium-termrenminbifinancingprod
