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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11月份,全国95家商业银行共发行2931款零售理财产品,其中非结构类产品为2822款,同比增长42.2%,环比增长9.8%;结构类产品为109款,同比上升36.3%,环比增长75.8%。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11月31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)。
Financial Products of Commercial Banks According to the statistics of the Financial Products Center of the Institute of Finance of the Chinese Academy of Social Sciences (hereinafter: “Center”), in November 2012, a total of 2931 retail wealth management products were issued by 95 commercial banks across the country, of which non-structural products 2822 models, an increase of 42.2% over the same period last year, an increase of 9.8% from the previous month; structural products were 109 models, up 36.3% from the same period of last year and up 75.8% from the previous quarter. 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 November 31, 2012. Due to rounding reasons, there may be errors in the data, which may not add up to 100% , Hereby mark, the same below).