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2013年以来,受互联网金融等环境的影响,银行理财产品收益率一直处于上行通道。随着银行理财产品整体收益中枢的升高,部分中资银行逐渐开始加大结构性理财产品的发行力度,通过在产品中嵌入衍生金融工具来博取更高的潜在投资回报率,以增加产品的吸引力。2013年1~4月银行共发行人民币结构性产品541款,为2012年同期产品数量的34.09%,发行速度与2012
Since 2013, due to the impact of the Internet finance and other environments, the yield of bank financial products has been on the upward channel. As the overall revenue hub of wealth management products of banks has risen, some Chinese banks have gradually started to increase the issuance of structured wealth management products. They have also been able to obtain higher potential return on investment by embedding derivative financial instruments into their products in order to increase the profitability of their products Attractive. From January to April 2013, banks issued a total of 541 RMB structural products, representing 34.09% of the number of products in the same period of 2012, with the issuance speed of 2012