Correlation Analysis Of Rmb Financial Products Yield Influencing Factors

Personal Financial Commercial Bank is an important mechanism in the process of market economy to promote effective national savings into wealth, and improve China's economic and financial system functions, to promote sustainable and stable development of the national economy, and increase the national welfare. As China's financial system reform, the development of domestic capital markets, the gradual improvement of financial instruments, from the international commercial banks in the developed capitalist countries mature business and personal financial management products, the Personal Financial Services will become the main profitable source in China Bank financial products and the RMB yield of which is undoubtedly a key factor. On the other hand, the domestic economy with the rapid development for several years, the people can be a gradual increase in disposable income, the residents of an increase in the hands of idle funds, how to effectively maintain the currency value, how to increase the income of residents of the property, how to plan their own life financial plan has increasingly become the eagerly concern. Therefore, the RMB financial product yield study of the impact of factors, has a very important theoretical and practical significance.RMB financial products in this article yield factors for the study of commercial banks in the theory of personal finance and domestic financial product research RMB combing literature based on theoretical analysis from a financial product RMB yield factors, as well as factors product yield on the financial mechanism of the impact and application of new Industrial and Commercial Bank of China fixed-term renminbi financial products based on relevant data, in order to build a yield to maturity, duration, interest rate and money supply measures for the analysis of model variables the above theory can be tested, statistical analysis showed that: RMB Commercial Bank financial products yield to maturity and interest rates, money supply was a negative correlation between the volume, but no significant period of relevance. Discussed in the above study on the basis of this paper, personal finance from commercial banks business development, product innovation, such as the renminbi financial point of view of commercial banks should pay attention to risk management and control, focus on the renminbi financial product innovation, reserve a lot of professional people and should step up the purchase of financial products prompted the work of people such as the risk of policy recommendations.