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截至2012年年底,我国城乡居民储蓄余额接近40万亿元,人们用闲置资金进行投资,参与理财的意识越来越强,银行理财产品逐渐在我国居民的财富管理中占据举足轻重的地位。2013年,国内财富管理市场的竞争更加剧烈,理性认识我国银行理财产品市场的发展,把握其发展趋势,不仅银行可实现利润最大化的增长,投资者也可选择合适的投资工具,实现资产的保值增值。规模继续扩大,但增速放缓我国银行理财产品市场从无到有,产品种类和发行规模快速发展,参与理
As of the end of 2012, the savings deposits of urban and rural residents in China approached 40 trillion yuan. People use their idle funds to invest and the awareness of participating in financial management is getting stronger and stronger. The financial management products of banks gradually occupy a pivotal position in the wealth management of Chinese residents. In 2013, the competition in the domestic wealth management market is even more intensified. A rational understanding of the development of China’s banking wealth management products market and its development trend not only enable banks to realize the maximization of profit growth, but also allow investors to choose suitable investment tools to realize the asset Increasing the value of. Scale continued to expand, but the growth rate slowed down China’s bank financial products market from scratch, the rapid development of product range and issue size, participate in management