The Research On Pricing Of Structured Products And Realized Returns

With the full opening of China's financial sector, banking competition gradually increased. Although the bank to launch financial products than the traditional deposit and lending interest rate profits is relatively modest, but the financial products can also be seen as banking and financial products, services, prices of between the competition. The banking industry really began to change in the middle of business income, thereby reduce deposit and lending business, spread the risks.At the same time our people's income level and increasing the accumulation of wealth, the people the choice of investment channels for the multi-level, the direction of diversification, more and more people choose to professional financial tools. Financial Products has become the new commercial bank profit growth point.This article is divided into five parts:The first part is the introduction of the article, the main article points out the background and significance, as well as domestic and foreign scholars on the results of structured financial products reviewed. This article approach to the study of methods and frameworks are explained.The second part is to outline the status of structured financial products, as well as the types of structured financial products and their breakdown characteristics, summarized the benefits of such products, features, revealed the risks of structured financial products.The third part is the case study of the structure of the pricing of financial products. Through analysis of two typical cases study of structured financial products to pricing.The fourth part of the paper, as an investment financial product, structured financial products, the benefits and risks are the main factors of concern to investors.The fifth part is the conclusion and recommendations to further the purpose of the article were analyzed and summarized. Introduced the innovation and development of structured financial products, the meaning and basic principles. Then two ways of give investors suggestions and comments.