我国商业银行金融创新新途径:结构性理财——动因、问题及对策

近年,商业银行从传统以信贷利息为主要收入来源格局逐渐转为非利息收入加快增长态势。结构性理财产品发展迅速,成为理财产品发行的主导产品。结构性理财产品如结构性存款能改善银行负债状况,对于利率风险和信用风险等有自身化解能力。对商业银行的收入构成、风险控制有其独特作用。本文将结构性理财和非结构性理财进行了比较,对典型的结构性理财产品运作模式作了图解分析。最近,由于零收益率产品市场反映强烈,银行迫切需要在投资者教育和自身设计能力方面加大力气。

China commercial bank finance innovation's new route:structural financing-motivation, problem and countermeasure

In recent years, structured financing products are developing fast, the profits derived form the interests of the loan now transform to the non-interest.The structured financing products become principal financing products in our country.These can improve the status of the the liabilities of the bank and decrease interest risk or credit risk.They exert special effects on the financial bank of the profits of structures and risk control.Compared with the structured financing product and non-structure financing ,this paper analyze the model of the operation on the structured financing product.Because of reflections on the current the markets of the zero-return are aboil, bank should do best to educate the investors and improve the design of the products.