论文部分内容阅读
我国金融体制改革重要的核心内容之一就是利率市场化改革,党的十八大强调要建立健全的现代金融体系,促进我国宏观经济稳定健康发展。利率市场化加快了银行理财产品的发展,同时也对理财产品产生了一定的影响。本文重点分析了银行理财产品的分类和利率市场化状态下银行理财产品的发展现状,重点探讨了利率市场化对银行理财产品的影响。
One of the most important core contents of China’s financial system reform is the interest rate market-oriented reform. The 18th CPC National Congress emphasized the need to establish a sound modern financial system and promote the stable and healthy development of China’s macro economy. The marketization of interest rates has accelerated the development of bank wealth management products and also had some impact on wealth management products. This paper analyzes the classification of bank financial products and the status quo of bank financial products under the condition of market-oriented interest rates, and focuses on the impact of the interest rate liberalization on bank financial products.