One lags behind the market can not meet the financial capital market development, conservative to ignore the existence of risk and not to carry out active and effective risk management, is the biggest risk. A commercial bank is responsible for the relevant people believe CBRC financial products on the market, the lack of systematic monitoring, supervision lax, when the scale is tight.
A lag in the capital market can not meet the financial market development, conservative to ignore the existence of risk and not to carry out active and effective risk management, is the biggest risk.
What is the financial success of the product? The financial success of a product, at least to be able to keep up with the market situation for investors in the bull market in earn high profits in bear markets and increase their value.
In accordance with the above-mentioned criteria, in 2007 domestic investment market is leading the stock market, financial markets play a number of new products in terms of yield, or from the original design, should be referred to as the bank is good financial management products. However, entering in 2008, with the global financial crisis continued to deepen, the success of the few financial products, "zero yield" and "revenue negative" incident took place one after another, commercial banks for product design capability wake-up call, but also dealt a blow to the bank Financial market development.
At present, bank finance market has shown the five major trends, product design, non-transparent information disclosure, investor education disadvantage, lack of supervision and other issues will continue to plague financial markets of the main parties. Bank financial market development needs of the next seller, the buyer, an independent third party, regulatory bodies and the joint efforts of the capital market.
Five major trends
Product design capability has increased. With the structure of the early products of the "zero yield" and "revenue negative" and other problems, issuers are constantly improve their own design capabilities and awareness of risk prevention, such as the protection of the security interest (to prevent zero earnings, negative earnings) and only Loss (to avoid excessive risk exposure), and other provisions of the set, the diversification of asset allocation, and so on. In addition, the floating-rate credit products, such as the introduction also reflects the general category of product innovation.
RMB financial products dominated. In the second half of 2008 since the issuance of RMB financial products, the number continues to rise, the relative shrinkage of foreign currency products. This may be subject to pre-devaluation of the dollar, the relative appreciation of the RMB, the yuan financial products, greater investment value. On the current economic situation, the developed economies by the financial crisis dragged down in the near future the yuan is expected to remain strong and is expected to RMB financial products is expected to continue high.
Product term structure of short-term trends evident. Since 2008, the continued turmoil in global financial markets, banking financial products a short period and then a short, and even some of the period was only 7-day ultra-short-term products are also frequent, the following semi-annual short-term financial market rising proportion. Investors lack confidence in the future market, with short-term financial investment products on a timely adjustment, but also implies investors worried about liquidity.
Class structure of financial products for the time being, "Enteignis." Since 2008 the structure of the types of financial products issued only the number of remaining 20, mostly linked to interest rates and stock. Structure of the products down to issue the following reasons: First, the domestic financial market, the main force of Chinese-funded bank product R & D strength is far behind foreign banks; Second, the structure of the products are mostly linked to foreign markets, foreign markets in this year's performance Almost disastrous; Third, the adverse events and by the financial crisis, investors confidence and enthusiasm sharp setback, the structure of the product marketing may be blocked.
Sound financial management product-driven market. The product structure of the winter, while the relative stability of the common types of financial products that ushered in the spring, investors in a cautious investment strategy, the general category of product management for the time being to become a "safe haven." However, the economic downturn and cuts in the channel, type of credit assets, as well as the types of debt instruments such as the type of sound-based products is expected to yield also tightened up again and again, these products can only be seen as a rising risk of sound - Products.
A lag in the capital market can not meet the financial market development, conservative to ignore the existence of risk and not to carry out active and effective risk management, is the biggest risk.
What is the financial success of the product? The financial success of a product, at least to be able to keep up with the market situation for investors in the bull market in earn high profits in bear markets and increase their value.
In accordance with the above-mentioned criteria, in 2007 domestic investment market is leading the stock market, financial markets play a number of new products in terms of yield, or from the original design, should be referred to as the bank is good financial management products. However, entering in 2008, with the global financial crisis continued to deepen, the success of the few financial products, "zero yield" and "revenue negative" incident took place one after another, commercial banks for product design capability wake-up call, but also dealt a blow to the bank Financial market development.
At present, bank finance market has shown the five major trends, product design, non-transparent information disclosure, investor education disadvantage, lack of supervision and other issues will continue to plague financial markets of the main parties. Bank financial market development needs of the next seller, the buyer, an independent third party, regulatory bodies and the joint efforts of the capital market.
Five major trends
Product design capability has increased. With the structure of the early products of the "zero yield" and "revenue negative" and other problems, issuers are constantly improve their own design capabilities and awareness of risk prevention, such as the protection of the security interest (to prevent zero earnings, negative earnings) and only Loss (to avoid excessive risk exposure), and other provisions of the set, the diversification of asset allocation, and so on. In addition, the floating-rate credit products, such as the introduction also reflects the general category of product innovation.
RMB financial products dominated. In the second half of 2008 since the issuance of RMB financial products, the number continues to rise, the relative shrinkage of foreign currency products. This may be subject to pre-devaluation of the dollar, the relative appreciation of the RMB, the yuan financial products, greater investment value. On the current economic situation, the developed economies by the financial crisis dragged down in the near future the yuan is expected to remain strong and is expected to RMB financial products is expected to continue high.
Product term structure of short-term trends evident. Since 2008, the continued turmoil in global financial markets, banking financial products a short period and then a short, and even some of the period was only 7-day ultra-short-term products are also frequent, the following semi-annual short-term financial market rising proportion. Investors lack confidence in the future market, with short-term financial investment products on a timely adjustment, but also implies investors worried about liquidity.
Class structure of financial products for the time being, "Enteignis." Since 2008 the structure of the types of financial products issued only the number of remaining 20, mostly linked to interest rates and stock. Structure of the products down to issue the following reasons: First, the domestic financial market, the main force of Chinese-funded bank product R & D strength is far behind foreign banks; Second, the structure of the products are mostly linked to foreign markets, foreign markets in this year's performance Almost disastrous; Third, the adverse events and by the financial crisis, investors confidence and enthusiasm sharp setback, the structure of the product marketing may be blocked.
Sound financial management product-driven market. The product structure of the winter, while the relative stability of the common types of financial products that ushered in the spring, investors in a cautious investment strategy, the general category of product management for the time being to become a "safe haven." However, the economic downturn and cuts in the channel, type of credit assets, as well as the types of debt instruments such as the type of sound-based products is expected to yield also tightened up again and again, these products can only be seen as a rising risk of sound - Products.
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