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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2月份,全国76家商业银行共发行1262款零售理财产品,其中非结构化产品为1158款(含4款开放式产品),同比增长18.6%,环比下降21.8%;结构类产品为104款,同比下降31.1%,环比增长50.7%。从环比数据来看,普通类产品的发行数量继续回落,主要受短期理财产品发行数量下降拖累,结构类产品出现反弹迹象。参见图1。(注:本文图表数据来源为中国社科院金融研究所金融产品中心,数据截止日期为2012年2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 released by the Institute of Finance of Chinese Academy of Social Sciences (hereinafter referred to as “Center”), in February 2012, 76 commercial banks nationwide issued 1,262 retail wealth management products, of which 1,158 are unstructured products Including 4 open products), an increase of 18.6% over the same period last year and a decrease of 21.8% compared to the previous month. The number of structural products was 104, down 31.1% from the same period of last year and up 50.7% from the previous quarter. From the ring than the data, the number of ordinary products continued to fall, mainly due to the decline in the number of short-term financial products issued a drag, structural products rebounded signs. See Figure 1. (Note: The data in this paper is from the financial products center of Institute of Finance, Chinese Academy of Social Sciences, deadline is February 25, 2012. Due to rounding reasons, there may be errors in the data, which may not add up to 100% The same below.)