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随着我国利率市场化改革的结束,我国商业银行理财产品的发展遇到了瓶颈:由于存款利率不再设置上限,商业银行的理财产品的优势逐渐降低,同时由于同行业各家银行之间的相互竞争激烈,商业银行对自身理财产品业务的发展有待改善。本文首先讲述了我国利率市场化和理财产品的发展历程,同时根据理财产品业务发展遇到的问题,向商业银行提出了相关的建议。
With the end of the market-based interest rate reform in our country, the development of wealth management products in China’s commercial banks has encountered a bottleneck: the deposit interest rate is no longer set the upper limit, the advantages of commercial banks’ financial products are gradually reduced, and at the same time, Fierce competition, commercial banks for their own financial products business needs to be improved. This article first describes the development of interest rate marketization and wealth management products in our country. At the same time, according to the problems encountered in the business development of wealth management products, we put forward relevant suggestions to commercial banks.