论文部分内容阅读
随着国家大力发展金融经济,商业银行在银行人民币理财产品的发行规模上也越来越大。然而就在近几年P2P行业及相关网络金融平台飞速发展,越来越多的投资者开始从银行的个人理财产品中撤出转身投入其他平台的怀抱。几乎所有的商业银行都流失了大量的投资客户。文章通过介绍人民币理财产品的相关概念和营销发展现状,主要分析对比现阶段各大商业银行与P2P行业,各大网络平台所推行出的理财产品对于投资者来说有何区别;结合其他平台的理财产品的优点,对于目前各大银行的人民币理财产品,最终提出一些建设性的营销发展策略。
With the vigorous development of the financial economy in the country, the commercial banks are also increasing their issuance size of RMB wealth management products in banks. However, in recent years, P2P industry and related network financial platforms have been developing rapidly. More and more investors are withdrawing from the bank’s personal wealth management products and turning themselves into the embrace of other platforms. Almost all commercial banks have lost a large number of investment clients. By introducing the related concepts of RMB wealth management products and the status quo of marketing development, the article mainly analyzes and compares the current financial products introduced by major commercial banks and P2P industries and major network platforms to investors. What is the difference between investors and other commercial banks? The advantages of financial products, the current major banks for RMB financial products, and ultimately put forward some constructive marketing strategy.