中国理财产品数据

随着居民财富的增加，投资理财成为居民增加收入的重要方式，银行理财产品、保险产品、公募基金成为居民资产配置的主要方向。理财是指以实现财务的保值、增值为目的，对财务（财产和债务）进行管理。  银行理财和保险理财都是金融机构为消费者提供资金规划和财富管理的现代化金融服务方式。银行理财是商业银行在对潜在目标客户群分析研究的基础上，针对特定目标客户群开发设计并销售的资金投资和管理计划。保险理财是指通过购买保险防范和避免因疾病或灾难而带来的财务困难，对资金进行合理安排和规划，使资产获得理想的保值和增值，主要分为分红保险、投资连结保险和万能保险。

As household wealth continues to grow, investment and financial management have emerged as important approaches for residents to increase their income. Bank wealth management products, insurance products, and public mutual funds have become the primary directions for residents' asset allocation.
Financial management refers to the management of finances (including assets and liabilities) for the purpose of preserving and enhancing the value of one's wealth.
Both bank wealth management and insurance wealth management are modern financial services provided by financial institutions to consumers for capital planning and wealth management.
Bank wealth management refers to capital investment and management plans that commercial banks develop, design and sell for specific target customer groups, based on the analysis and research of potential target customer groups.
Insurance wealth management involves reasonably arranging and planning funds to achieve ideal asset preservation and value appreciation, while also purchasing insurance to prevent and mitigate financial difficulties caused by diseases or disasters. It is mainly categorized into three types: participating insurance, unit-linked insurance, and universal life insurance.

搜集汇总

背景与挑战

背景概述

该数据集收录了中国银行和保险公司发布的理财产品信息，包含银行理财产品和保险理财产品两个子表，涵盖产品名称、发行机构、收益类型、期限、收益率等关键字段。银行理财产品数据时间跨度为2001年至2021年，保险理财产品一般为永续产品。数据集旨在为研究中国理财产品市场提供全面、权威的数据支持。