我国商业银行理财产品发展现状及对策分析

摘要

In recent years,the major commercial banks of China are strengthening the innovation of intermedi- ary business,which becomes the new hot spot for＇advancing banking. Meanwhile, the cross -industry and cross - market financing products are booming and market competitions is becoming fiercer and fiercer. This paper starts with the current situation of commercial bank financing products, analysing current condition, characteristics and general trend of Chinese commercial bank financing products. And accordingly, it provides the supervisory measures for the smooth development of commercial bank financing products.%近年来,我国各大商业银行都在加大中间业务的创新力度,银行理财业务已成为银行业发展的新热点,跨行业、跨市场的理财产品日益丰富,市场竞争日趋激烈。文章从商业银行理财产品发展现状入手,探析我国理财产品的特点及发展趋势,并进一步提出对银行理财产品监管措施,以促进商业银行理财产品的健康发展。