我国理财产品的发展现状及前景分析.doc

财务管理——学年论文



我国理财产品的发展现状及前景分析

摘  要

由于我国金融市场的迅猛的发展，居民收入水平的提高，我国的理财产品呈现出产品多样化、渠道多样化、组合多样化等特点，需求市场非常巨大，发展前景一片大好。但同样由于产品设计能力的不足、和国外相比起步较晚、居民购买力有限、认识不足等原因，我国的理财产品存在诸如:产品趋同、类型单一、起步点较高、期限较短、客户范围局限等问题。所以，未来金融机构还应进一步加强彼此之间的合作，研发更多的创新型产品，扩大产品范围以解决上述问题，更好的把握住未来良好的市场前景。
本文通过对我国理财产品发展现状的了解，分析中国现有理财产品的优缺点，再结合国内外的研究成果，提出一些改进方法和建议，并据此展望未来的发展前景，分析并提出一些设想。

关键词：  理财产品；  发展现状；  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  录

1  我国理财产品的概述 1
1.1  我国理财产品的定义 1
1.2  我国理财产品的种类 1
2  我国理财产品的发展现状 2
2.1   我国理财产品分析 2
2.2  我国理财产品的改进建议 4
3  我国理财产品的前景展望 4
3.1  我国理财产品的前景分析 4
3.2  有关未来我国理财产品发展设想 5
结  论 5
参考文献 7