Commercial Bank Financial Products Yields Research

Residents benefit from the rapid growth of economy in our country, the overall income level rise ceaselessly, people demand for wealth management is becoming more and more strong, more and more people begin to convert single deposit to the diversification of financial assets. Commercial bank financial products and development, on the one hand to broaden investment channels for investors, meet the needs of investors to asset value, on the other hand is advantageous to the bank to ease capital pressure, increase the intermediary business income, expand market share.Returns is core part of the bank financial products, and customers when choosing financial products, one of the elements of the most intuitive and easy to be attracted. Banks in the case of differentiated competition effect is not obvious, can only rely on a higher expected return to grab market share, but products are not bank deposits and real yields are not to be able to achieve the desired height. Bank financial product variety, complex structure, different types of products on the earnings are very different, therefore, the study of returns is particularly important.According to China Merchants Bank wealth management products as an example, this paper has chosen the relevant data of RMB financial products which has been expired and reported earnings in2008and2012, using comparative analysis method, compare the product yield and degree of risk between four state-owned banks, three joint-stock banks and one city commercial banks. Through the comparison, we can find the advantages and disadvantages of China merchants bank in financial product returns and dig out which categories of products of the China merchants bank have a gap between their line of similar products. Combined with the specific case, find out the existing problems in bank wealth management products. Through to the China merchants bank financial product yield research, combining with the actual situation of enterprises put forward reasonable suggestions and explore financial product health and sustainable development countermeasures, is of great significance for its products and services innovation, developed for customers, create brand image, transformation of the mode of development. At the same time, through the case study part can reflect the bank financial products market exist some common problems, has reference significance for our country commercial bank financing business development.