2012年，我国银行理财业务继续较快发展，市场规模持续增长；市场集中度进一步降低；产品币种结构向人民币集中；产品期限向中短期集中；投资于金融市场工具的产品占比提高。展望2013年，在理财资金投资领域方面，通过产品结构的创新设计，债券市场将可能成为理财资金的投资重点，股票市场存在一定的投资机会，城镇化建设将是理财投资实体经济的重要领域；在理财业务的规范管理方面，外部制度体系将更加完善，投资者权益保护将进一步加强，信息披露将更加规范，风险管控能力将得到加强。
In 2012, the bank financial management market in China continued its rapid grouth, and the size of the market continued to enlarge. The market concentration further diversified. The currency structure of the product centralized to RMB. The product term centralized to medium and short term. The proportion of the products invested in financial market instruments improved. Looking ahead to 2013, in the investment field of financial capital, the bond market is likely to become the focus of the investment market through innovative design of the product structure; the stock market will provide some good opportunities; and the urbanization will be an important area of the financial capital invested in the real economy. In the regulation of the bank financial management business, the regulation will be improved and perfected; the protection of investors' interests will strengthen; the disclosure of information will become more standardized; and the risk management and control capabilities will enhanced.
