苏州商业银行理财产品存在的问题及对策研究摘要随着商品经济的发展，商业银行理财产品的业务种类和经营范围日益扩大，理财产品发展迅猛，为商业银行带来了重大利益，是银行的主要利润增长点之一。但在其发展过程中也出现了一系列问题，值得我们关注和解决。为此，本文以苏州商业银行为出发点，研讨其理财产品在发展过程中存在的问题，从而提出相应的对策建议，促进银行发展。通过国内外商业银行理财产品的现状，发现苏州商业银行理财产品问题，并从宏观环境和商业银行自身出发分析了存在问题的原因。从而提出解决思路；构建稳定合理的理财产品品种结构，健全风险制度，加强风险管理，提高创新能力，明确经营目标，以期促进商业银行理财产品的健康快速发展。关键词：理财产品；苏州商业银行；理财产品管理AbstractAgriculturalcommercialbanks,withtherapiddevelopmentofChina'scommercialbankspersonalfinancialproductsandfinancialservices,personalfinanceproductmanagementmadegreatachievements,butalsoappearedinthemarketingoffinancialproductsarenotstandardizedorevenillegalsales,financialmismanagement,suchasproductdesignandseriesworthyofourattentionandsolveproblems.Inthispaper,thecommercialbanksofChina'sagriculturalproductspersonalfinancialmanagementfortheobject,firstoutlinedtheconceptoffinancialproductscharacteristicsandclassification,followedbyanalysisofthecurrentsituationofagriculturalcommercialbanks,summeduptheirproblemsinthemanagementoffinancialproducts,analysisofitsbankssignificanceoffinancialproductsmanagementrevenuemanagement,developmentandinnovation,improvemarketing,reducetheriskofotheraspectsoftheproposedupdatemanagementconcepts,marketsegments,hierarchicaldesignproducts,theestablishmentredemptionchannels,productdevelopmentandopeningup,judgetheirownadvantages,developmentofspecialtyproducts,enhancepersonneltraining,strengthenpersonnel,improvetheregulatorysystem,strengthenriskprevention,suchasimprovingthemanagementoffinancialproductssuggestionsforotherbankstomanageourfinancialproductsforreference.Keywords:financialproducts;suzhouagriculturalcommercialbank;financialproductsmanagement.目录1、绪论..............................................11.1研究背景........................................11.2研究意义........................................11.3国内外研究现状..................................11.3.1国外相关研究现状...........................11.3.2国内相关研究现状...........................1..................................................................................................11.4研究方法......................................11.4.1定性分析法................................11.4.2定量分析法...............................12、银行理财产品的概念和理论..........................22.1理财产品的概述..................................22.2理财产品的理论..................................32.2.1理财产品的风险收益.........................32.2.2理财产品的内部控制.........................32.2.3理财产品的时间价值.........................43、苏州商业银行理财产品的现状分析及相关问题..........43.1苏州商业银行的基本概况..........................43.2苏州商业银行理财产品的现状......................43.2.1理财产品的市场规模.........................43.2.2理财产品的创新能力.........................53.2.3理财产品的收益情况.....................53.3苏州商业银行理财产品存在的问题.................53.3.1产品品种结构不合理........................53.3.2产品风险化问题突出........................63.3.3产品同质化问题明显........................64、苏州商业银行理财...
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