关注存款理财化趋势

发布时间：2018-05-26 11:43

本文选题：理财产品 + 商业银行　；参考：《中国金融》2011年22期

【摘要】：正主持人的话:今年年初以来,通货膨胀成为我国经济运行中的突出问题。面对股市的持续疲软、房地产市场的逐步转向,为减少实际负利率的影响,获得更高的资金回报,各银行发行的理财产品成为了居民投资的新宠。一方面银行存款增速日渐放缓,另一方面银行理财产品发售日益火爆。据此有专家认为,银行理财产品虽不是存款减少的唯一流向,但肯定是一个重要去向,"存款理财化"趋势凸显。存款理财化形成的深层原因是什么,投资手段的多元化会给我国金融市场带来哪些影响,带着这些疑问,一线话题栏目采访了中国民生银行金融市场部代客资产管理中心总经理郑智军、华夏银行发展研究部副总经理沈小平、中国社科院金融所银行研究室主任曾刚。
[Abstract]:The words of the moderator: since the beginning of this year, inflation has become a prominent problem in the economic operation of our country. In the face of the continued weakness of the stock market and the gradual shift in the real estate market, to reduce the impact of real negative interest rates and achieve a higher return on capital, the wealth management products issued by banks have become a new favorite of residents' investment. On the one hand, the growth rate of bank deposits is slowing, on the other hand, the sale of bank wealth management products is becoming more and more popular. According to some experts, although bank wealth management products are not the only way to reduce deposits, they are certainly an important destination, and the trend of "deposit financing" is highlighted. What are the deep reasons for the formation of deposit financing, and what impact will the diversification of investment means bring to the financial market of our country, with these questions in mind? The first-line topic column interviewed Zheng Zhijun, general manager of China Minsheng Bank's Financial Markets Department, Zheng Zhijun, deputy general manager of Huaxia Bank's Development Research Department, and Zeng Gang, director of the Banking Research Office of the Institute of Finance of the Chinese Academy of Social Sciences.
【分类号】：F832.2

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