河南省银行理财产品市场状况研究

为优化河南省银行理财产品市场，发挥银行理财产品的投资功能，以河南省银行理财产品为研究对象，从供给的角度出发通过实证分析得出了河南省银行理财产品供给主体不够健全，现实供给状况与客户需求有很大差距，产品存在流动性较差、收益水平偏低及通货膨胀风险等一系列问题的结论。并在此基础上，提出了优化河南省银行理财产品市场的相关建议。

RESEARCH ON THE MARKET SITUATION OF BANK FINANCIAL PRODUCTS

In order to optimize the market conditions of bank financial products in Henan Province and perform the investment functions of bank financial products, the paper reaches such conclusions as follows by using an empirical analysis based on the study of bank financial products in Henan Province from perspective of supplies ： the main supplies of financial products are not sound enough ; there is a big gap between the reality supplement and the customer needs; the liquidity of the products is poor; the level of yield is very low, and the products involve inflation risk and so on. According to the above analysis, the paper provides some suggestions for optimizing the market situation of bank financial products in Henan province.