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,201 2年1月份,全国75家商业银行共发行1614款零售理财产品,其中非结构化产品为1545款(含5款开放式产品),同比增长69.7%,环比下降13.0%;结构类产品为69款,同比下降46.5%,环比下降15.9%。从环比数据来看,受春节长假影响,商业银行理财产品的发行数量有所回落。参见图1。 According to the statistics of Financial Products Center of China Academy of Social Sciences Institute of Finance (hereinafter referred to as “Center”), in January 2012, 75 commercial banks in China issued 1614 retail wealth management products, of which unstructured The number of products is 1545 (including 5 open products), an increase of 69.7% from the previous year and a decrease of 13.0% from the previous month. Structural products are 69 models, down 46.5% from the same period of last year and down 15.9% from the previous month. From the ring than the data, affected by the Spring Festival holiday, the number of financial products issued by commercial banks has declined. See Figure 1.