商业银行理财产品据中国社科院金融研究所金融产品中心(下称:“中心”)统计,2012年8月份,全国91家商业银行共发行3125款零售理财产品,其中非结构类产品为3028款,同比增长13.0%,环比增长11.5%;结构类产品为97款,同比下降21.1%,环比下降26.8%。参见图1(注:文中全部数据来源于中国社科院金融研究所金融产品中心,由于四舍五入的原因,数据存在误差,加总可能不为100%,特此标注,下同)。商业银行理财产品收益类型。8月各收益类型产品数量占比 Financial products of commercial banks According to the statistics of Financial Products Center of China Academy of Social Sciences Institute of Finance (hereinafter referred to as “Center”), in August 2012, a total of 3125 retail wealth management products were issued by 91 commercial banks nationwide, of which non-structural products 3028, an increase of 13.0% over the previous year, an increase of 11.5%; structural products for the 97 models, down 21.1%, down 26.8%. See Figure 1 (Note: All data in this paper are from the Institute of Finance of Chinese Academy of Social Sciences, due to rounding reasons, there are errors in the data, the total may not be 100%, hereby marked, the same below). Commercial Bank financial products income types. August the number of revenue types of products accounted for the proportion