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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 aspectsfatcat:sv22hf2jwjbrdk5mnp3v7ndp4m