An Analysis Of The Current Situation And The Influencing Factors Of The Return Rate Of The Commercial Bank Financial Products

In recent years,along with the economic development and investment in the popularity of financial concepts,commercial banks launched a variety of financial products to attract the attention of many investors.Especially in the deposit interest rate is low,the stock market downturn,inflation expectations increase in the case of investors for higher yields of financial products more and more attention.Based on the current level of economic development and the improvement of people’s living conditions,China’s commercial banks because of the traditional business model of a single,monotonous content,by the Internet finance and other new financial model challenges.Commercial banks,in the face of strong market competition,residents demand for high-yield products in the context of increasing demand,had to carry out reform and innovation,launched a series of competitive financial products to meet the internal competition and external demand.Therefore,this paper chooses the financial products of commercial banks as the research object to study its current situation and the influencing factors of the rate of return.For consumers to clear the reasons behind the high yield,choose the appropriate financial products,improve the innovation ability,enrich the financial products and guide the investment The way of investment is of great significance.First of all,this paper summarizes the classical theory of the return rate of commercial banks,including the time value of funds,modern portfolio theory,capital asset pricing model and asset allocation theory,and summarizes and summarizes the domestic and foreign research results,Combined with empirical analysis,qualitative analysis and metrological testing,and case studies.This paper summarizes the existence,distribution and income of financial products in commercial banks,and expounds the macro and micro factors that influence the financial products from the theoretical point of view,which provides theoretical support for the empirical research.It is concluded that since the issuance of the first financial products in 2004,the amount and amount of financial products issued in China have been huge and steady,and the number of products has increased rapidly.The rapid development of financial products,the market prospect is very broad.The type of distribution,the commercial banks issued by the financial products and more investment to the lower risk of bond deposits of assets,to ensure the safety of financial products.In recent years,the financial products of commercial banks in China have developed steadily,but still faced with problems and challenges such as lack of integration assets,increasing credit risk and urgent need to improve asset management ability.Secondly,on the basis of the complete theoretical research,the case study of the proceeds of Q bank financial products is analyzed.By summing up the profitability of commercial bank financial products and taking the financial products issued by Q Bank before 2017 as an example,this paper analyzes the actual operation of Q bank financial products in line with the actual situation of Q-bank products in Q bank work and The problems faced.Thirdly,according to the real information obtained from the work,we selected 14,200 financial product data of Q bank 2013-2016 as the sample,and selected the period including the financial management,the subscription amount,whether the principal and the macro money supply and the deposit interest rate As a factor influencing factor,the establishment of multiple regression model empirical study to Q Bank,for example,the impact of China’s commercial banks financial products yield factors,and the use of robust standard error regression model to test to ensure the stability of the model.Finally,the fitting degree of the model is high and the fitting effect is good.It can be concluded according to the model.On the micro factor,the financial period and the amount of financial investment are positively related to the yield.Whether the product is related to the profitability and the profitability Type of non-guaranteed financial products,such as low yield.On the macroscopic factors,the money supply and the financial income are negatively correlated,while the deposit interest rate is positively correlated with the financial income.And from the impact of the point of view,China’s financial products are more subject to macro factors such as money supply and deposit interest rate impact.Finally,based on the above analysis of the status quo and the problem,combined with the conclusions drawn from the empirical model,the present situation and the problems are put forward to improve and solve the measures and suggestions.As the development of our current financial management business is not yet perfect,the following suggestions are put forward for investors,commercial banks and regulators:enhance the awareness of financial products yield,improve innovation ability,enrich the structure of financial products,Macroeconomic factors on the impact of yield,while improving the rate of return on risk control,to achieve the healthy development of financial products.