財務(wù)管理——學(xué)年論文



我國理財產(chǎn)品的發(fā)展現(xiàn)狀及前景分析

摘  要

由于我國金融市場的迅猛的發(fā)展，居民收入水平的提高，我國的理財產(chǎn)品呈現(xiàn)出產(chǎn)品多樣化、渠道多樣化、組合多樣化等特點，需求市場非常巨大，發(fā)展前景一片大好。但同樣由于產(chǎn)品設(shè)計能力的不足、和國外相比起步較晚、居民購買力有限、認識不足等原因，我國的理財產(chǎn)品存在諸如:產(chǎn)品趨同、類型單一、起步點較高、期限較短、客戶范圍局限等問題。所以，未來金融機構(gòu)還應(yīng)進一步加強彼此之間的合作，研發(fā)更多的創(chuàng)新型產(chǎn)品，擴大產(chǎn)品范圍以解決上述問題，更好的把握住未來良好的市場前景。
本文通過對我國理財產(chǎn)品發(fā)展現(xiàn)狀的了解，分析中國現(xiàn)有理財產(chǎn)品的優(yōu)缺點，再結(jié)合國內(nèi)外的研究成果，提出一些改進方法和建議，并據(jù)此展望未來的發(fā)展前景，分析并提出一些設(shè)想。

關(guān)鍵詞：  理財產(chǎn)品；  發(fā)展現(xiàn)狀；  前景分析

China's financial product development present situation and prospect analysis

Abstract

Due to the financial market of our country is swift and violent development, dweller ‘s income level rises.China's financial products show characteristics of products, channel and portfolio diversification, market demand is very great, a good development prospects. But the same product’s design as a result of lack of ability, and compares with abroad to a late start, the purchasing power of residents is limited, such as lack of awareness and other reasons.our countries’ financial products have such as: products’ types, starting point of convergence, a single,short duration, high range limitations and other issues. Therefore, the future financial institutions should further strengthen mutual cooperation, develop more innovative products, expand the range of products to solve above problems, better grasp the future good market prospects.
This article through to the understanding of the status of our countries’ financial products’ development,analyzes the advantages and disadvantages of China's existing financial products, combines with domestic and foreign research results, puts forward some improvement methods and suggestions, and then look forward to the future development prospects, analysis and put out some proposals.

Key words:   Financial product;   Development present situation;   Prospect analysis    

目  錄

1  我國理財產(chǎn)品的概述 1
1.1  我國理財產(chǎn)品的定義 1
1.2  我國理財產(chǎn)品的種類 1
2  我國理財產(chǎn)品的發(fā)展現(xiàn)狀 2
2.1   我國理財產(chǎn)品分析 2
2.2  我國理財產(chǎn)品的改進建議 4
3  我國理財產(chǎn)品的前景展望 4
3.1  我國理財產(chǎn)品的前景分析 4
3.2  有關(guān)未來我國理財產(chǎn)品發(fā)展設(shè)想 5
結(jié)  論 5
參考文獻 7