Analysis On Income Problem Of Capital-protected Index-link Structured Financial Products Based On Ping’an Wealth Structured Financial Products

With the improvement of financial prudence,wealth of investment products,structured financial products to become an innovation into the eyes of investors,but with this kind of product "zero return" event happened one after another,and rigid breaking of the honour of banks,investors gradually began to wonder if the expected rate of return of products artificially high.False high yields are a manifestation of misleading consumers in commercial banks,is the key to lead to disputes between investors and commercial banks.The research on such products revenue risk,agreed not only to investors to analyze product manual how great is the probability of expected yield level achieved,also promotes commercial banks as issuers focused on investor demand,reasonably expected yield range.Given the many types of financial products,the product is more complicated,the paper focused on capital-linked stocks risk-benefit analysis of structured financial products.Articles to peace Bank from 2014 began issued of peace wealth structure class products for cases,for the products in the No.383 period products,using products of acquired during of data,and history data on products returns rate achieved of possibilities do has preliminary validation,then using Monte Carlo simulation method on CSI 300 in products acquired period of changes path for has simulation,through on simulation results of analysis,found simulation out of products expected returns rate are value and products set of highest expected returns rate has must gap,Conclusion contracts inflated with the expected rate of return in question.Article concludes with the existing problems of structured financial products and corresponding to an investor,the issuer and the relevant bodies of the recommendations.