本文關(guān)鍵詞：我國商業(yè)銀行個人理財產(chǎn)品管理的優(yōu)化研究　出處：《首都經(jīng)濟貿(mào)易大學》2013年碩士論文　論文類型：學位論文

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【摘要】：2004年以來,隨著我國商業(yè)銀行個人理財產(chǎn)品及理財業(yè)務(wù)的飛速發(fā)展,個人理財產(chǎn)品管理取得了非常大的成績,但也出現(xiàn)了理財產(chǎn)品營銷不規(guī)范甚至違規(guī)銷售、理財產(chǎn)品設(shè)計與管理失當?shù)纫幌盗兄档梦覀冴P(guān)注和解決的問題。 本文以我國商業(yè)銀行個人理財產(chǎn)品管理為對象,首先回顧了我國商業(yè)銀行理財產(chǎn)品管理中有關(guān)收益、創(chuàng)新、營銷、風險等四個方面的研究成果,總結(jié)了西方銀行理財產(chǎn)品定價、客戶關(guān)系管理、電子信息技術(shù)對產(chǎn)品及客戶群體的影響等文獻；其次,通過國內(nèi)外理財產(chǎn)品發(fā)展的簡要回顧,論述了理財產(chǎn)品按照收益特征、投資工具、承擔風險等角度的分類,指出了理財產(chǎn)品的風險性、收益性、多樣性等特征；第三,通過對我國銀行理財產(chǎn)品管理現(xiàn)狀的分析.提煉了其理財產(chǎn)品的投資方向多樣、理財產(chǎn)品的適應(yīng)性與穩(wěn)定性等優(yōu)點,剖析了理財產(chǎn)品管理中表現(xiàn)出的巨額虧損、銀行從業(yè)人員的違規(guī)操作、產(chǎn)品設(shè)計中創(chuàng)新不足、各銀行間差異性不大等問題；第四,通過以美國、日本為代表的西方銀行理財產(chǎn)品及管理的簡要介紹,概括了其值得我們借鑒的金融創(chuàng)新是商業(yè)銀行發(fā)展的命脈、產(chǎn)品的適應(yīng)性是商業(yè)銀行理財經(jīng)營的重點、順應(yīng)監(jiān)管政策是商業(yè)銀行經(jīng)營的保障、合格的理財人才是商業(yè)銀行理財發(fā)展的后盾等啟示；第五,以A銀行理財產(chǎn)品管理為例,總結(jié)了其理財產(chǎn)品管理中的問題,通過對“差序格局”概念及思維的引入,分析了其對銀行理財產(chǎn)品管理中收益管理、開發(fā)創(chuàng)新、改善營銷、降低風險等方面的借鑒意義,提出了關(guān)注差序格局、更新管理觀念、細分市場需求、分層設(shè)計產(chǎn)品、樹立平等觀念、尊重客戶利益、建立贖回通道、研發(fā)開放產(chǎn)品、評判自身優(yōu)勢、開發(fā)特色產(chǎn)品、增強人員培訓、壯大人才隊伍、優(yōu)化監(jiān)管體系、加強風險防范等完善我國理財產(chǎn)品管理的對策建議。
[Abstract]:Since 2004, with the rapid development of personal financial products and financial services of commercial banks in China, the management of personal financial products has made great achievements. However, there are a series of problems that we should pay attention to and solve, such as non-standard or even illegal marketing of financial products, improper design and management of financial products and so on. In this paper, the personal financial product management of commercial banks in China as an object, the first review of our commercial banks in the management of financial products related to income, innovation, marketing, risk and other four aspects of research results. Summarized the western bank financial products pricing, customer relationship management, electronic information technology on products and customer groups, and other documents; Secondly, through a brief review of the development of financial products at home and abroad, discussed the financial products according to the characteristics of income, investment tools, risk-bearing and other angles, pointed out the risks of financial products, profitability. Diversity and other characteristics; Third, through the analysis of the current situation of the management of banking financial products in China, the paper abstracts the advantages of the investment direction of financial products, adaptability and stability of financial products and so on. This paper analyzes the huge losses in the management of financial products, the illegal operation of the bank employees, the lack of innovation in the product design and the small differences among the banks. 4th, through a brief introduction of the financial products and management of western banks, represented by the United States and Japan, it summarizes that the financial innovation that we should learn from is the lifeblood of the development of commercial banks. The adaptability of products is the focal point of commercial banks' financial management, compliance with the supervision policy is the guarantee of commercial banks' management, and qualified financial talents are the backing of the development of commercial banks' financial management. In 5th, taking the financial product management of bank A as an example, this paper summarizes the problems in the management of financial products, and analyzes the income management in the management of bank financial products through the introduction of the concept and thinking of "differential order pattern". Development and innovation, improve marketing, reduce risk and other aspects of reference significance, put forward to pay attention to the pattern of difference, update the management concept, subdivide the market demand, layered design products, set up the concept of equality, respect the interests of customers. Establish redemption channels, R & D open products, judge their own advantages, develop characteristic products, strengthen personnel training, strengthen the talent team, optimize the regulatory system. Strengthen the risk prevention and other measures to improve the management of financial products in China.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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