The Specification and Regulation of Commercial Banks’ Financial Products
|School||Nanjing Agricultural College|
|Keywords||Commercial banks’ financial products Default Banking business on acommission basis Standard|
During the recent years, the economy in China developing fast, more expectation is put on domestic.Since the year of2004, the commercial banks’ financial products has experienced the initial, growth, now slowly mature. The number of commercial banks’ financial products increased fastly these years, so as the number of commercial banks which participated in the commercial bank financial products market. However, while commercial banks in China are enjoying the generous profit from the expansion of the management products, we should also be aware of the innate risks of the wealth management products. In this paper, starting with the definition of commercial bank financial product, then make a summarization of the status quo as well as the risks of wealth management products offered by our country’s commercial banks. Then by giving the example of a default financial product in Huaxia bank to make a detailed analysis of the problems exposed by the case. In the end, In the end, aiming at the risks of wealth management products, and gives several proposals to perfect the risk management systems of commercial banks’ financial products.