Studies On Bank Personal Investment Of RMB Financial Products Selected

Since1978, our country’s reform and open policy, the national economic life qualityimprove year by year, the economic level is sustained and rapid growth for34years. Thesocial and economic development has also led to the accumulation of individual wealth, withthe growth in wealth, personal disposable income increase, people know, for personal wealthmanagement concepts and also produced major change, how to manage personal wealth, theright investments in order to ensure the safety of assets and wealth, the value of value-added,gradually become a topic of concern.Financial product is a kind of innovative financial products of commercial banks,commercial bank financial management products of Western existed for half a century, in ourcountry the issue is less than10years, but the financial products, but with its strongadvantages, as to a certain extent, not only improved the traditional banking profit structure,multiple levels to meet customer market demand, but also ease the pressure part of the bank’scredit and other characteristics, in recent years, the number of banks to issue financialproducts rapid growth.In the face of the investment variety many financial products issued by banks and salesagent, individual investors how to distinguish independent Renminbi issue financial productsand to sell the investment business, how to distinguish the many financial products issued bybanks, especially in the face of homogenization of the phenomenon of the bank financialproducts, individual investors how to effectively identify the issuing bank financing productsof the expected rate of return can effectively, how to determine the factors influencing theexpected rate of return, combined with the actual risk to bear ability itself, and thus the correct,reasonable choice of investment products, which is the focus of this paper to analyze andsolve problems.At present, the domestic study on personal finance is still in the preliminary stage, andthe study abroad there is a big gap, based on the reference of domestic and foreign literatureabout the study of personal finance management business, the life cycle theory and theMarkowitz portfolio theory based on risk, design the questionnaire, analysis of personal risktolerance, summarized in every life cycle of personal/family reasonable investment decision.Individual investors in the face of a different bank of issue, different period, different subscription amount of financial products, investors should be how to choose the research.This paper first from the domestic and international research about the financial productsare analyzed, then from the aspects of market demand, the bank financial innovation, analyzesthe necessity of banks to issue financial products, and RMB investment business of banks toissue RMB financial products and to sell the concludes, summarizes the types andcharacteristics of renminbi investment products. Again with the life-cycle theory and portfoliotheory, the design of individual risk questionnaire, judging the individual risk to bear ability,summarizes the source in each life cycle of personal financial investment objectives,investment strategies and gives guidance; to establish the model of bond type of RMBfinancial products in the2011issue of the final object of regression analysis, the influencefactors of financial products is expected to yield, specifically pointed out how individualsshould be according to the actual situation of reasonable choice of banks to issue RMBfinancial products.Through the research, this paper draws the following conclusions:(1) the personalinvestment portfolio can effectively disperse the risk.(2) in different life cycle of individualsshould establish different investment objectives, should be a reasonable choice of investmenttool.(3) based on the life cycle theory, individual investors risk bearing capacity decreaseswith age.(4) the expected rate of return and the financial period banks to issue financialproducts are positively correlated (5) credit level and the expected return rate of the issuingbank is negatively related to.