论文部分内容阅读
在过去的三年中,我国商业银行理财业务的规模翻了两番,2007年度理财产品销售额已经超过8000亿元人民币,其中,中资银行的市场份额超过90%。理财产品种类从传统的投资于国债、央票等固定收益产品的保证收益类产品,发展到挂钩汇率、利率、股票、基金等标的的结构性产品,再到非保本浮动收益的产品。银行代客境外理财业务的启动,也使理财投资市场从国内金融市场拓展到了海外金融市
In the past three years, the scale of wealth management business in China’s commercial banks has quadrupled. The sales amount of wealth management products in 2007 has exceeded 800 billion yuan, of which, the market share of Chinese-funded banks exceeds 90%. Wealth management products range from the traditional guaranteed investment products of fixed income products such as government bonds and central bank bills to the structured products linked with the underlying exchange rates, interest rates, stocks and funds, and to the products with non-guaranteed floating income. The launching of overseas wealth management services by banks on behalf of clients also enables wealth management investment markets to expand from domestic financial markets to overseas financial markets