| 商业银行人民币理财产品中存在问题及对策分析 |
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| 引用本文： | 李鹏. 商业银行人民币理财产品中存在问题及对策分析[J]. 金融理论与实践, 2007, 0(9): 19-21 |
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| 作者姓名： | 李鹏 |
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| 作者单位： | 郑州航空工业管理学院,河南,郑州,450015 |
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| 摘 要： | 目前,多数商业银行推出的人民币理财产品中普遍存在产品层次较低、同质化严重以及忽视风险控制等问题,要解决这些问题商业银行要进一步转变经营理念,细分市场并增加产品差异性,加强理财业务的风险管理,在向零售银行的战略转型中增强理财业务的竞争力.
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| 关 键 词： | 商业银行 人民币理财产品 资产管理 商业银行 人民币 理财产品 存在 问题 对策分析 Banks Commercial Products Financing Private Problems and Countermeasures 竞争力 增强 战略转型 零售银行 风险管理 理财业务 加强 产品差异性 |
| 文章编号： | 1003-4625（2007）09-0019-03 |
| 收稿时间： | 2007-07-01 |
| 修稿时间： | 2007-07-01 |
Analysis on the Problems and Countermeasures for RMB Private Financing Products in Commercial Banks |
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| Li Peng. Analysis on the Problems and Countermeasures for RMB Private Financing Products in Commercial Banks[J]. Financial Theory and Practice, 2007, 0(9): 19-21 |
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| Authors: | Li Peng |
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| Abstract: | Nowadays most commercial banks open RMB private financing business.However,we must pay great attention to the common problems such as lower product level,serious homogeneity and neglect of risks.To solve these problems,commercial banks should change their management ideas,sub-divide the market and increase the variance of product,tighten the risk control of financing business,and strengthen the competitive power of private financing business in their strategic transformation towards retail banks. |
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| Keywords: | commercial bank RMB financing products assets management |
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