The Status of RMB Financial Products of Commercial Banks in China: From the Perspective of Homogeneity

Min SHANG, Lixia YU


With the rapid development of commercial bank financial services in China, some problems arise in the process. This paper focuses on the widely concerned issue of homogeneity, basing on the classification of products, and takes the data from 2007 to 2013 about RMB financial products issued by 17 commercial banks as the sample to analyze the product type, minimum amount, investment period and returns of these products. Reasons for homogeneity will be discussed and recommendations in the aspects of customers, products, marketing channels and financial managers will be made to solve this problem.


Commercial banks; Financial products; Homogeneity

Full Text:



Wei, T. (2010). Study on financial products of commercial banks in China. Reform & Opening, (2), 67.

Cao, X. Q. (2012). The problems and countermeasures of structured financial products of commercial banks. Commercial Times, (22), 66-67.

Sun, W. (2009). A research on personal financial service of commercial banks in China. Chongqing, China: Southwest University of Political Science and Law.

Wu, F. (2010). The personal financial products: Get rid of homogeneity. Finance and Accounting for International Commerce, (5), 79-81.

Xie, H. Z., & Chen, L. M. (2004). The development of America personal finance service and its enlightenment to China. China Finance, (11), 61-62.

Ling, J. H. (2004). New trends and revelation of individual financial affairs development of western commercial banks. Journal of South China Normal University (Social Science Edition), (8), 61-62.

Lü, D. H., Ru, X. Q., & Ye, J. Y. (2007). Learn from foreign experience to develop personal financial service of state-owned commercial bank. Zhejiang Finance, (10), 18-19.



  • There are currently no refbacks.

Copyright (c) 2014 Min SHANG, Lixia YU

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Share us to:   


  • How to do online submission to another Journal?
  • If you have already registered in Journal A, then how can you submit another article to Journal B? It takes two steps to make it happen:

1. Register yourself in Journal B as an Author

  • Find the journal you want to submit to in CATEGORIES, click on “VIEW JOURNAL”, “Online Submissions”, “GO TO LOGIN” and “Edit My Profile”. Check “Author” on the “Edit Profile” page, then “Save”.

2. Submission

Online Submission:

  • Go to “User Home”, and click on “Author” under the name of Journal B. You may start a New Submission by clicking on “CLICK HERE”.
  • We only use four mailboxes as follows to deal with issues about paper acceptance, payment and submission of electronic versions of our journals to databases:;;;

 Articles published in Cross-Cultural Communication are licensed under Creative Commons Attribution 4.0 (CC-BY).


Address: 1055 Rue Lucien-L'Allier, Unit #772, Montreal, QC H3G 3C4, Canada.
Telephone: 1-514-558 6138 
Website: Http://; Http://;

Copyright © Canadian Academy of Oriental and Occidental Culture