我国商业银行理财产品存在的风险及控制研究  

Research on Risk and Risk Control of Financial Product in China's Commercial Banks

作　　者：尚敏[1] 余丽霞[1] 

机构地区：[1]四川师范大学商学院,成都610101

出　　处：《晋城职业技术学院学报》2014年第3期62-65,共4页Journal of Jincheng Institute of Technology

基　　金：四川省教育厅重点项目<金融产业集群对区域经济增长的效应研究--以成渝经济区建设为例>(项目编号:13SA0135);教育部人文社会科学青年基金项目(项目编号:12YJC630061)

摘　　要：我国商业银行理财产品在经历了萌芽期和快速发展期之后,逐渐进入稳定发展期,理财产品存在的风险也日渐显现。近两年来,商业银行理财产品风波此起彼伏,对理财产品的风险管理和控制显得越发重要。本文重点讨论了我国商业银行理财产品的发展现状,并根据风险产生的机理提出理财产品投资可能面临的各种风险,提出相应的风险控制建议。After the germination and the rapid development period,the financial products of China＇s commercial hanks have entered a stable development period. With the development of financial products,the risk of financial products are also increasingly obvious. In recent years,there have been many problems in the financial products of China＇s commercial banks. Therefore, it becomes more and more important to control and manage the risk of financial products. This paper focuses on the current development situation of the financial products of China＇s commercial banks. The paper points out the potential risk of financial products by analyzing its causes, and finally gives some corresponding suggestions on the risk control.

关 键 词：商业银行 理财产品 风险 控制 

分 类 号：F832[经济管理—金融学]