浅析我国银行理财产品发展问题与对策

浅析我国银行理财产品发展问题与对策(含选题审批表,任务书,开题报告,中期检查报告表,毕业论文6800字)
摘  要：本文主要介绍了我国商业银行理财产品发展状况，针对我国商业银行理财产品的现状，提出了理财产品开发设计机制不够合理健全、银行理财产品同质化问题明显、披露银行理财产品风险不够全面、销售理财产品时忽略风险揭示甚至有不当销售行为等违规违法问题，在些基础上提出一些对策与措施。
关键词：商业银行；理财产品；发展问题；发展对策

According to The Bank of China Financial Product Development Problems And Countermeasures
Abstract: This article mainly introduced the our country commercial bank financing products development, in view of China's commercial Banks to finance products present situation, proposed the financial product development design are not reasonable enough sound, a bank mechanism financial product homogeneity obvious problems, disclosure of bank risk financial product is not comprehensive, sales financial products to disregard risks reveals or even when improper behavior of illegal illegal sales in some basis puts forward some countermeasures and measures .
Key words: Commercial Banks ; Financial products ; Development ; Development countermeasures

目  录
摘要………………………………………………………………………………1
关键词…………………………………………………………………………………1
一、前言………………………………………………………………………………2
二、我国银行理财产品现状及特点…………………………………………………2
    （一）我国银行理财产品品种越来越多…………………………………………2
    （二）我国银行理财产品规模越来越大…………………………………………3
三、我国银行理财产品发展存在的问题……………………………………………4
    （一）银行理财产品结构不合理…………………………………………………4
    （二）银行理财产品同质化问题明显……………………………………………5
（三）银行理财产品风险问题突出………………………………………………5
     (四) 银行理财产品法律监管不全……………………………………………6
四、我国银行理财产品发展问题的对策……………………………………………6
    （一）商业银行要构建合理的理财产品品种及结构……………………………7
    （二）解决银行理财产品同质化问题的关键在于创新…………………………7
    （三）客户和银行、监管部门共同作用来控制理财产品的风险………………8
    （四）监管部门加强对银行理财产品的监管力度………………………………8
五、结束语……………………………………………………………………………8
参考文献……………………………………………………………………………9
致谢……………………………………………………………………………………9