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商业银行理财产品据中国社科院陆家嘴研究基地金融产品中心(下称:“中心”)统计,2012年三季度,全国共有100家商业银行发行理财产品,总量为5511款,同比下降0.9%,环比下降14.5%。其中普通类产品为5304款,同比增长0.2%,环比下降12.3%;结构类产品207款,同比下降14.1%,环比下降47.7%。参见图1(注:文中全部数据来源于中国社科院陆家嘴研究基地金融产品中心,数据整理截止日期为2012年9月25日,由于四舍五入的原因,数据存在误差,加总可能不为100%,特此标注,下同)。
According to the statistics of the Financial Products Center of Lujiazui Research Base of the Chinese Academy of Social Sciences (hereinafter: “Center”), in the third quarter of 2012, a total of 55 commercial banks issued wealth management products in a total amount of 5,511, down from the same period of the previous year 0.9%, down 14.5%. Among them, ordinary products were 5304, an increase of 0.2% over the same period of last year and a decrease of 12.3% compared with the same period of last year; 207 models of construction products decreased by 14.1% from the same period of last year and decreased by 47.7% compared with the previous month. See Note 1 (Note: All data in this paper are from the financial product center of Lujiazui Research Base of Chinese Academy of Social Sciences. The data collection deadline is September 25, 2012. Due to rounding reasons, the data may be inaccurate, which may not add up to 100% , Hereby mark, the same below).