The Analysis Of Invetment Characteristic Of New Pattern’s Financing Product Of Boc

In2004, the first RMB financial product had been published by Everbright Bank,which was favoured by the investors, and then the financial product had become one ofthe most important product in the area of investment. By the rapid development offinancial market, the investors had grown up and the RMB financing market alsobecame bigger and bigger. By statistics, the size of RMB financial product had achieved1700billion yuan, which is the significant channel of investment with the three maincharacters:(1)Huge size;(2)Various category;(3)Short term;(4)High safety. As otherinvesting markets have no good chance, more and more investors choose financialproduct issued by bank firstly which has a lot of advantages compared with otherproducts. Faced various financial products, investors can’t distinguish the risk andincome characteristics of the financial products for lack the relative knowledge offinancial. Investors may not only lose the income but also lose the principal if investorsdo the investment decisions blindly. This paper is aimed to introduce and analyze theinvestment characteristics of three pattern financial product recently issued by the Bankof China (BOC), including time characteristic, income characteristic, risk characteristic,in order to give investment suggestions.This paper is divided into six chapters. The first chapter is a brief clarify to thestudy background of the financial product. The second chapter introduced and analyzedthe three investment characteristics of the regular rolling financial product. The thirdChapter introduced and analyzed the three investment characteristics of the linkedstructured financial product. The fourth has introduced and analyzed the threeinvestment characteristics of the days and months multiplying financial product. Thefifth listed the three financial product’s shows, which have different characteristics, invarious market environments, and compare the shows aimed to give the financialadvices to the investors. The last part made a conclusions and recommendations basedon the prior study. This paper suggested that the investors who have high requirements in the financialliquidity could buy the days and months multiplying financial product and the investors,who can bear some market’s risk and have some experience in investing and hope toown high income, could buy the linked structured financial product and investors whohave high requirements in safety according to the regular financial requirement couldbuy the regular rolling financial product.