我国信托理财产品的发展及投资分析-毕设论文.doc

本科毕业论文 我国信托理财产品的发展及投资分析 姓 名 学 院 专 业 指导教师 完成日期  xxxxxx大学 全日制本科生毕业设计（论文）承诺书 本人郑重承诺：所呈交的毕业设计（论文）我国信托理财产品的发展及投资分析是在导师的指导下，严格按照学校和学院的有关规定由本人独立完成。文中所引用的观点和参考资料均已标注并加以注释。论文研究过程中不存在抄袭他人研究成果和伪造相关数据等行为。如若出现任何侵犯他人知识产权等问题，本人愿意承担相关法律责任。 承诺人（签名）： 日 期： 我国信托理财产品的发展及投资分析 摘要 进入二十一世纪以来,随着加入世界贸易组织,我国的经济得到了飞速的发展,人民的生活水平也得到了显著提高,在这样的大环境下,人们手中拥有的财富越来越多,而简单的存储在银行显然已经无法满足人们日益增强的对于投资理财的渴望和要求,另一方面,我国入世也让我国金融融入得全球经济的大环境下,各种各样来自不同国家的金融产品和发展方式成为我国金融业发展的很好参照.于是除了传统的银行业保险业等在我国已经有坚实基础的老行业有了新的转变之外,本来在我国发展仍不完善的行业也纷纷冒头,给了投资者更多更全面的选择空间,本文所研究介绍的就是其中一种:信托业以及信托理财产品. 信托理财产品是指信托公司为投资者提供的一种低风险、收益稳定的金融理财产品，是在“受人之托，代人理财”的宗旨下，受托人根据融资方的资金需求设立的特定用途的资金募集行为，委托人基于对受托人的信任，将其财产权委托给受托人，按约定的收益分配期限获取回报的一种金融理财产品。 Since twenty-first Century, with the accession to the world trade organization, Chinas economy has been rapid development, peoples living standard has been improved significantly, in such circumstances, people have more and more wealth, and simple stored in the bank apparently has been unable to meet the desire and requirement for the investment management of the people enhanced, on the other hand, Chinas accession to the WTO also let our financial integration into the global economic environment, financial products and development of a variety of ways from different countries become the development of Chinas financial industry is very good reference. So in addition to the traditional banking, insurance industry has a solid foundation in China the old industry has changed, originally developed in our country is still not perfect industry also in succession again, giving investors more comprehensive choice of space, this paper is one of them: trust financial products. Trust financial products is a kind of low risk and stable income financial products, trust company to investors, is in the entrusted by the people, generation of financial management