摘要现今中国面临通货膨胀的压力，老百姓手中的钱越来越多但是越来越不值钱，面对实际利率为负数的银行存款利率，房价的低迷，股市的跌宕起伏，越来越多的人开始树立起理财概念。人们大多开始将注意力转向银行可靠的投资型或者保本型的个人理财产品。自从2004年我国银行理财产品开始崭露头角，发行的样式种类，发行数量和资金规模都在急剧膨胀中。孰知我国商业银行的个人理财产品同样存在着风险暴露与不完善之处。本次毕业论文的目的，是想通过文章了解商业银行理财产品的基本概念，对中国商业银行的几类理财产品进行分类汇总，比较其各自特点。然后进一步实证分析，挖掘其收益率的影响因素和风险特征，为广大个人投资者提供投资理财决策的分析，也为投资者如何适当回避风险提出建议。65960

毕业论文关键词 ：商业银行，理财产品，收益与风险

      毕 业 论 文 外 文 摘 要

Title  ：Analysis on the revenue and risks of Commercial bank’s financial products                                                         

Abstract

Nowadays, China is facing the pressure of inflation, the people do have more and more money, but it is more and more worthless. Facing with the negative real interest rates of bank deposit, the house prices that are in the doldrums and the stock market ups and downs, more and more people began to establish concepts of the financial management. Most people began to turn their attention to bank’s reliable investment products or guaranteed personal financial products. Since 2004, China's financial products began to emerge. The types, numbers and sizes of funds are in the rapid expansion. However, Chinese commercial banks’ financial products are also reflected the exposure of risks and imperfections. The purpose of this thesis is to understand the basic concepts of financial products for Chinese commercial banks, to carry out several types of financial products into subtotals and to compare their respective characteristics. Then further empirical analysis is to discover their benefits and characteristics of risks and influencing factors for the majority of inpidual investors to provide analysis on the finance and investment decision, and also for investors to make recommendations on how to properly avoid risks.

Keywords：Commercial bank   Financial products   Benefits and risks

目 录

1. 引言 2

1.1 研究背景 2

1.2 研究意义及论文结构 2

2. 文献回顾 3

2.1 银行理财产品的基本概念 3

2.2 银行理财产品现状 3

2.3 对于银行理财产品的理论研究 4

2.4 理财产品的风险评估 5

3. 商业银行理财产品的发展及分类 5

3.1 商业银行理财产品的发展历程 5

3.2 商业银行理财产品的分类 6

4.  商业银行理财产品危机频发... 9

4.1  “资金池”理财业务违规屡禁不止 9

4.2  大型商业银行产品也出现亏损 9

4.3  银行工作人员违规操作擅自兜售私单