A Study On The Evaluation Index System Of Financial Products Of Chinese Commercial Banks

China’s bank financing business had a rapid development since it had been approved to start in 2004.It’s only a short span of eleven years. At the end of June by 2014, among 498 national banking financial institutions, financial products balance had reached nearly 13 trillion, meanwhile, the kind of existing financial product was more than 50000. In the face of such kinds of bank financial products, how the investors select a suitable one so as to improve the rate of return under a certain risk, how the regulators identify higher risk products to improve the supervision effectiveness, how banks improve existing products and competition of their own financial products. Solving all of these problems is necessary and urgent. Therefore, building bank financial product evaluation system suitable to Chinese financial system is especially has the theoretical and practical significance.In this thesis, we base on the current developing situation of bank financial product evaluation in our country. At the same time, we learn something important from foreign experience in financial product evaluation, and combine with the subsistent assessment system fruits of funds, debentures and other financial products. Finally, we have an in-depth study and exploration about how to establish a bank financial product assessment system of our homeland. This thesis mainly contains four sections: the first part consists of the first chapter, mainly elaborates the research background and leads to the question proposed, and analyzes the current research situation at home and abroad, purpose and significance, research techniques, technology roadmap, the research approach, format of the thesis, the features, the innovation points and summary of literatures. The second section is composed by the second chapter, mainly is the related theoretical analysis of evaluation system about commercial bank financial products. The most important is the third section, namely the third and fourth chapter. This part primarily introduces the construction and empirical research on evaluation index system of the bank financial products in china. The fourth portion, namely fifth chapters, is mainly some thinking and the deficiency of this dissertation and prospects for the future based on the conclusions of the empirical study. Ultimately, we give some suggestions about using and improving the evaluation system of bank financing product from the three aspects of finance, banks, regulators, this also is the ultimate significance of this academic paper.