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2004年以前,大多数老百姓尚不知理财产品为何物,和银行打交道更多地是为了存取款或者缴费。如今,国内银行理财业务从小到大,呈现出火山喷发式的发展。尤其是今年以来,仅仅半年时间,银行理财产品的发行量和募集资金就超过去年全年的总量,发售火爆的产品让百姓的理财意识更为强烈。可想而知,产品规模突飞猛进的背后必然是各大银行你争我抢的激烈竞争场面,那么,在这场没有硝烟的理财客户争夺战中,谁又是银行理财市场的佼佼者,担当着“领头羊”的角色呢?据Wind资讯统计数据,2011年上半年商业银行共发行10160只理财产品,接近2010年全年发行数量;同期银行个人理财产品规格达8.5万亿,已超过2010年全年发行总规模。截至2011年6月末,理财产品余额在3万亿元到3.5万亿元之间,其中,五大行占市场分额65%以上,工行就占30%,股份制银行中,招商银行和光大银行较为突出。
Before 2004, most people did not know what financial products, dealing with banks more to save or pay. Nowadays, the wealth management business of domestic banks grows from small to large, showing a volcano eruption. Especially this year, only half a year, the circulation of bank financial products and raise funds to exceed the total amount of last year, the sale of popular products so that people’s wealth management awareness more strongly. As can be imagined, the rapid growth of the scale of the product behind the inevitable banks are fighting for you to grab the fierce competition scene, then, in this non-smoking financial customer battle, who is the leader in bank financial markets, take the lead According to Wind Information Statistics, in the first half of 2011, commercial banks issued a total of 10,160 wealth management products, close to the number of full-year 2010 issues. In the same period, the personal wealth management products of banks reached 8.5 trillion yuan, surpassing 2010 annual total size of the issue. As of the end of June 2011, the balance of wealth management products was between 3 trillion yuan and 3.5 trillion yuan. Among them, the top five banks accounted for more than 65% of the market share and ICBC accounted for 30% of the total. Among the joint-stock banks, China Merchants Bank and Everbright Bank prominent.