理财产品的风险防控及对策的研究  

The Status,Problems and Solutions of Financial Products

作　　者：闫美琦 王玉霞[1] 李姝萍 Yan Mei-qi;Wang Yu-xia;Li Shu-ping(Shandong Agricultural university Shandong Taian 271000)

机构地区：[1]山东农业大学经济与管理学院

出　　处：《山东农业工程学院学报》2019年第6期40-43,共4页The Journal of Shandong Agriculture and Engineering University

摘　　要：近年来,理财产品纷繁复杂,多种多样,大致分为互联网理财产品和商业银行的理财产品,本文用具体数据和监管的变动来梳理理财产品的现状与发展,旨在探寻其背后的风险因素。虽然我国理财产品的规模不断增长,但在发展过程中仍会面临一定风险,评估风险并提出对策十分重要。本文就金融理财产品发展风险方面的内容进行分析与研究,发现理财产品发展新局势,并有针对性的提出相应的解决对策,力求在合规的基础上进行发展创新。Financial products can be roughly divided into Internet financial products and commercial bank financial products,which are complex and varied in recent years.This paper discribe the status and development of financial products with specific data in order to explore the risk factors behind them.Although the development of financial products has achieved some results,there are still some risks in the development.It is very important to analyse these risks and put forward corresponding countermeasures.This paper studies the content of financial products development risk then finds out the new situation of financial products development.Finally,we put forward corresponding countermeasures,striving to develop and innovate on the basis of regulations.

关 键 词：互联网金融 商业银行 理财产品 

分 类 号：F832.48[经济管理—金融学]