华夏银行个人理财产品研究摘要2012年12月华夏银行的“飞单”事件，将该行的个人理财产品推到了舆论的风口浪尖。事件源起于华夏银行上海嘉定支行的一款个人理财产品。华夏银行的高级客户经理向客户介绍一款收益率“丰厚”的投资产品，门槛50万元，存续期一年，预期收益率11％～13％[19]。受高额的收益诱惑，当时很多投资者自筹甚至借钱投资购买了这款高收益产品，但到期之后，这款产品却无法兑付。这起事件将华夏银行个人理财产品推到了聚光灯下。本文通过介绍华夏银行个人理财产品的特点、市场前景、发展方向和优缺点等来分析华夏银行个人理财产品的现状，并提出具有建设性的意见来促进商业银行个人理财产品的发展。以时间为线索，利用数据列表的方法，分析华夏银行2005年至今资产总额、利润总额以及个人理财产品所带来收入的比例，分析个人理财产品发展的影响因素和发展前景。本文所用到的数据均来自华夏银行历年年度报告中披露的信息。关键词：收益，理财产品，发展HuaxiabankpersonalfinanceproductresearchABSTRACTDecember2012HuaxiaBankflysingleevent,thebank'spersonalfinancialproductspushedtothecuspofpublicopinion.EventoriginatedinHuaxiaBankShanghaibranchofapersonalfinancialproductsinJiading.HuaxiaBank'ssenioraccountmanagertocustomerstointroduceayieldgenerousinvestmentproducts,thethresholdof500thousandyuan,thedurationofoneyear,theexpectedrateofreturnof11%~13%[19].Luredbythehighyield,whenalotofinvestorsorevenborrowmoneytobuytheirowninvestmenttobuythishigh-yieldproducts,butaftertheexpirationofthisproductisunabletohonor.ThiseventwillbepushedintotheChinesebankingpersonalfinancialproductsunderthespotlight.AnalysisofthecurrentsituationofpersonalfinancialproductsofHuaxiaBank,throughintroducesthecharacteristics,personalfinancialproductsofHuaxiaBank,marketprospect,developmentdirectionandtheadvantagesanddisadvantages,andputsforwardsomeconstructivesuggestionstopromotethedevelopmentofpersonalfinancialproductsofcommercialbanks.Takethetimeasaclue,usingthemethodofdatalist,analysisofHuaxiaBanksince2005,totalassets,totalprofitandpersonalfinancialproductsrevenueratio,impactanalysisofpersonalfinancialproductdevelopmentfactorsanddevelopmentprospects.ThedatausedinthispaperarefromtheannualreportofHuaxiabank.KEYWORDS：incomeandwealthmanagementproducts,development目录1商业银行个人理财产品概述..........................................11.1商业银行个人理财产品的概念..................................11.2商业银行个人理财产品的分类..................................11.3我国商业银行个人理财产品的发展..............................21.4规范我国商业银行个人理财产品的相关法规的变迁................22华夏银行个人理财产品的发展历程....................................42.1华夏银行个人理财产品的起步阶段..............................42.2华夏银行个人理财产品的成长阶段..............................42.3华夏银行个人理财产品的稳定发展阶段..........................43华夏银行个人理财产品的现状........................................63.1华夏银行个人理财产品的种类..................................63.1.1种类...................................................63.1.2举例分析...............................................73.2华夏银行个人理财产品的品牌及销售渠道........................83.3华夏银行个人理财产品对利润的贡献............................94华夏银行个人理财产品分析.........................................114.1华夏银行个人理财产品的优势.................................114.1.1华夏银行“龙盈理财”是大众品牌........................114.1.2委托起始金额较低......................................114....
