关键词: 银行理财产品, 达标率, 二元Logit 回归, 训练样本, 预测样本

Abstract: The factors that influence whether financial products would raise enough amounts to reach the standard (the actual amounts of products raised reach prescribed minimum of planned amounts) were studied. A sample of 13667 bank financial products issued in two years from 2011 December to 2013 December was used, which contains two parts(a training sample and a prediction sample), and Logit model was employed to analyze the relationship between the basic elements of bank financial products and raise compliance rate. In addition, the validity of the model was verified with a prediction sample. The results indicate that higher credit ratings of the issuing banks, wider sales area, higher expected rates of return, and lower prescribed minimum of planned amounts of producted raised will create a higher raise compliance rate. Furthermore, among the four factors, bank’s credit ratings made the largest influence, followed by sales area, expected rates of return ceiling and prescribed minimum of planned amounts of producted raised.

Key words: bank financial products, compliance rate, binary Logit, training samples, prediction samples