目 录Abstract.............................................................................................................................................................IV引言......................................................................................................................................................................11 研究背景及意义...............................................................................................................................................21.1 研究背景...............................................................................................................................................21.2 研究意义...............................................................................................................................................22 商业银行高息揽储手段...................................................................................................................................32.1 高息揽储形式多样化...........................................................................................................................32.2 高息揽储的新形势—理财产品...........................................................................................................32.3 高息揽储越来越隐蔽...........................................................................................................................43 商业银行高息揽储的原因分析.......................................................................................................................53.1 资金的“稀缺性”...............................................................................................................................53.2 金融市场发展迟缓，投资渠道不畅...................................................................................................63.3 经济的高增长需要大量资金的支持...................................................................................................63.4 管理者缺乏法律意...
