| The development of commercial banks’ financing products was in the background of China’s interest rate liberalization, diversification of investment and financing channels, and quick accumulation of households’ wealth. It provided a channel for residents to make assets appreciation, it also enriched the financing structures of the whole society as it played a supporting role to the real economy. However, as financing products appeared in the form of savings’ alternatives, most investors have the misunderstanding that financing products always make earnings with no deficit. Therefore, there come so many disputes triggered by zero or even negative yields products between banks and customers. On the other hand, as limited by experience and technology, risks of financing products have revealed, including the lack of financing products’ risk management measures and the deficiencies on risk prevention and control. Financing products are at a critical developing stage, making study on risks of the financing products’ operation process and then proposing risk management measures is important to get financing products have healthy and steady development.This paper adopts a case study method by analyzing Everbright Bank "Share II" financing product. The paper first makes an introduction of Commercial Banks’ financing products’ present situations, characteristics and risks revealed in China. Then the paper analyzes the loss situation of "Share II", the reasons why this product has so bad performance are divided into two factors, both external and internal. Then, from a risk management perspective, this paper makes a deep identification and analysis of the risks revealed in the product’s investment operation process.In the last, according to the analysis of "Share II", the paper proposes some suggestions that commercial banks should attach more importance to the international financial market,strengthen investment research ability, set up cooperation mechanism and improve the disclosure system. |
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