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銀行理財產(chǎn)品市場成理財產(chǎn)品市場“老大”

2012-12-21 08:52     來源:新華網(wǎng)     編輯:范樂

  中國社會科學院20日在京發(fā)布的《金融藍皮書:中國金融發(fā)展報告(2013)》認為,銀行理財產(chǎn)品市場將引領(lǐng)著中國財富管理市場發(fā)展。

  藍皮書指出,2012年前三季度已累計發(fā)售23858款產(chǎn)品,遠超2011年發(fā)行量總和,保守估計2012年全年的發(fā)售量將不低于3萬款,募集資金規(guī)模流量不低于20萬億元。作為中國新興的財富管理工具,銀行理財產(chǎn)品市場募資規(guī)模已遠遠超過中國同業(yè)如證券投資基金、券商集合理財產(chǎn)品和信托產(chǎn)品募資規(guī)模的總和。

  藍皮書認為,無論是投資方向還是產(chǎn)品種類,抑或是產(chǎn)品的風險收益水平,銀行理財產(chǎn)品市場無不彰顯“行業(yè)老大”的霸氣,其吞并覆蓋之勢無異于“司馬昭之心”。

  藍皮書分析認為,主要原因在于,一是商業(yè)銀行物理網(wǎng)點的渠道優(yōu)勢;二是商業(yè)銀行的“國字”背景對其發(fā)售產(chǎn)品進行了無形的“信用增級”;三是商業(yè)銀行前期多數(shù)產(chǎn)品的“低風險、穩(wěn)健收益”的風險收益特征與普通大眾的“低風險承受能力”相吻合;四是中國金融體系由商業(yè)銀行主導,且商業(yè)銀行擁有大量優(yōu)質(zhì)的金融資產(chǎn)。

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