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2008年下半年,因为次贷危机加剧、金融风暴发生、国内资本市场恶性下跌,宏观经济环境、货币政策等均出现较大变化与调整,银行理财市场可谓风云多变。人民币理财市场,因为受降息冲击波的影响,信贷类理财产品遭遇了提前终止的厄运;而债市的走牛,则让债券类理财产品强势走红。外汇理财市场更是经历了潮起潮落:上半年,随着大宗商品价格的飙升,澳元、欧元纷纷表现强势,汇率一路高涨,银行推出的澳元、欧元理财产品一时间成为市场新宠;8
In the second half of 2008, due to the intensification of the subprime mortgage crisis, the financial turmoil, the vicious decline of the domestic capital market, the macroeconomic environment and monetary policies, major changes and adjustments were made in the banking wealth management market. RMB wealth management market, because of the impact of interest rate cuts shock wave, credit-type wealth management products suffered an early termination of doom; and walking in the bond market, the strong bond-type wealth management products become popular. In the first half of the year, with the surging commodity prices, the Australian and European currencies showed strong performance and the exchange rates were soaring. The Australian and European financial products introduced by banks became the new darling of the market for a time. 8