Report Highlights

In 2008, along with the deep pullback of the capital market, commercial banks' financing services gained great popularity with investors. Due to the influence of the external environment, the structure of the financing products market was revamped. The Renminbi financing products market grew significantly, US dollar financing products' market position continued to fall, assigned new shares products shrank substantially, while QDII products were sluggish.

In the reporting period, both Chinese and foreign banks, and both large and small banks showed initiative for developing financing products, and most achieved expected yield. ICBC, CITIC Industrial Bank, the Agricultural Bank of China, Bank of China, and Industrial Bank performed well in this area.

In 2008, despite some achievements, severe problems such as poor transparency of product information, unclear product positioning, poor product innovation capability, and inaccurate command of macro trend remained. As the global financial crisis escalated, "zero yield" and "negative yield" incidents kept emerging, sound a warning to the further development of banks' financing products.

In the face of changes in competition and market as well as challenges, we release the 2008-2009 Annual Report on China's Bank Personal Financing Products Market, which helps banks, investors and industry insiders grasp more accurately laws governing the industry's development, and explore opportunities and risks in this field.
* In-depth, full and accurate research data: On the basis of in-depth research in personal financing products offered by different types of banks, the report depicts changes in the market from the angle of market size, term structure, and yield, and clearly points out development direction.
* All-round and in-depth analysis of brand competition: In addition to grasping opportunities and threats, based on its deep understanding of the banking market, we established an assessment system for personal financing products, and reviews major commercial banks' advantages and disadvantages and position in the marketplace.
* Scientific and complete forecasts: The report conducts regression modeling and expert verification of major market segments, and examines relevant economic policy, deriving valuable trend analysis and quantitative forecast results.