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商业银行理财产品据中国社科院金融研究所金融产品中心(下称:“中心”)统计,2012年7月份,全国89家商业银行共发行2802款理财产品,其中非结构类产品为2679款,同比增长60.9%,环比上升4.8%;结构类产品为123款,同比增加39.8%,环比下降14.6%。参见图1(注:文中全部数据来源于中国社科院金融研究所金融产品中心,由于四合五人的原因,数据存在误差,加总可能不为100%,特此标注,下同)。
According to the statistics of Financial Products Center of China Academy of Social Sciences Institute of Finance (hereinafter referred to as “Center”), in July 2012, a total of 2802 wealth management products were issued by 89 commercial banks nationwide, of which the non-structural products were 2679 models, an increase of 60.9% from the same period of last year, up by 4.8% compared with the previous month; structural products were 123 models, up 39.8% from the same period of last year and down 14.6% from the previous month. See Figure 1 (Note: All the data in this paper come from the financial products center of Institute of Finance, Chinese Academy of Social Sciences. Due to the fact that the sum of four people is not enough, the data may not be 100%.