【作者】 李莉；

【导师】 周夏飞；

【作者基本信息】 浙江大学 ， 金融， 2010， 硕士

【副题名】以工商银行为例

【摘要】 近年来,我国商业银行理财产品的发展十分迅速,已经成为我国专业化、集合化投资理财的重要力量。商业银行理财产品作为一种金融产品,是储民们非常重要的投资理财渠道。它能促使人们把闲置资金利用起来,增加人民福利,完善经济金融体系,推动国民经济持续稳定发展。在各个商业银行理财产品中,人民币理财产品显然是最重要的方面。但在国内商业银行的人民币理财产品中仍存在着创新性差,产品同质化严重,收益率没有保障等问题,需要加以研究并改进。本论文先后介绍了国外重要个人理财理论和这些理论在我国的发展,以及国内商业银行目前人民币理财业务的发展,理财产品收益率的影响因素。然后根据我国的金融环境,分析研究中国工商银行2006年、2007年和2008年人民币理财产品的各个数据,通过运用描述性统计和相关分析,得到了研究结果：商业银行的人民币理财产品的收益率和利率、货币供给量呈负相关关系,而与期限没有显著的相关性。根据这个研究结果从商业银行个人理财业务发展、人民币理财产品的角度,对国内的商业银行的人民币理财产品的发展提出了一些建议。更多还原

【Abstract】 In recent years, the development of commercial financial products is very quickly, has become an specialized and collection important force in investment banking. Financial products as a commercial bank financial products, are important to finance and investment channels, to encourage people to use idle funds to increase the welfare of the people, improve the economic and financial system, and promote the sustainable and stable development. in various financial products of Commercial banks, the RMB products is clearly the most important aspects. But the domestic ommercial banks’s RMB financing products have poor innovation, serious product homogeneity problem, no security. So it needsto be studied and improved.This article has introduced a commercial bank personal finance business development, various financial management theory, and the development of these theories in China, financial product yield factor. Then, according to China’s financial environment, analysis of each financial product data of the China Industrial and Commercial Bank in 2006,2007 and 2008. Using descriptive statistics and correlation analysis, getting results:Commercial Bank RMB financing products of returning rates and interest rates, currency supplying amount was a negative correlation relationship, but are not significant in correlation with the terms.According to the results from a commercial bank personal finance business, the angle of the RMB wealth management products on the domestic commercial banks, I give the some suggestions of personal financial products.更多还原