本文關(guān)鍵詞：銀行類存款理財(cái)產(chǎn)品問題研究　出處：《南京大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 銀行理財(cái)產(chǎn)品 利率市場化 類存款

【摘要】：隨著中國金融體制改革的縱深化發(fā)展,利率市場化的進(jìn)程已經(jīng)進(jìn)入人民幣存款利率市場化的核心環(huán)節(jié)。同時(shí)在《金融業(yè)發(fā)展和改革“十二五”規(guī)劃》中明示將“按照條件成熟程度,通過放開替代性金融產(chǎn)品價(jià)格等途徑,有序推進(jìn)利率市場化”。但是該怎樣理解條件的成熟程度,以及如何界定替代性的金融產(chǎn)品則在《規(guī)劃》中并沒有具體說明。 與此同時(shí),近年來銀行人民幣理財(cái)產(chǎn)品迅猛發(fā)展,已經(jīng)成為各商業(yè)銀行主動(dòng)負(fù)債的產(chǎn)品載體。但從內(nèi)部利潤創(chuàng)造角度,由于理財(cái)產(chǎn)品的高收益因素而受到“高成本負(fù)債”的質(zhì)疑,從外部合規(guī)角度,由于“高息攬存”和“監(jiān)管套利”則面臨政策風(fēng)險(xiǎn)。同時(shí)隨著銀行理財(cái)產(chǎn)品規(guī)模的持續(xù)擴(kuò)大,其中隱含的信用風(fēng)險(xiǎn)和流動(dòng)性風(fēng)險(xiǎn)也在不斷的累積中。下一步,銀行人民幣理財(cái)產(chǎn)品該何去何從,應(yīng)該怎樣在利率市場化的背景下理解和分析銀行理財(cái)產(chǎn)品的發(fā)展,正越來越受到監(jiān)管層和銀行高層的關(guān)注。 本文正是基于利率市場化進(jìn)程進(jìn)入人民幣存款利率環(huán)節(jié)、商業(yè)銀行理財(cái)產(chǎn)品爆發(fā)式增長和理財(cái)產(chǎn)品監(jiān)管政策急需改善的背景下針對(duì)商業(yè)銀行理財(cái)產(chǎn)品發(fā)展實(shí)務(wù)進(jìn)行的相關(guān)研究。本文首先通過分析近年來銀行理財(cái)產(chǎn)品的外部表現(xiàn)特征和內(nèi)部運(yùn)作特點(diǎn)尋找銀行理財(cái)產(chǎn)品高速發(fā)展的本質(zhì)。然后分析了銀行理財(cái)產(chǎn)品的監(jiān)管框架和監(jiān)管難點(diǎn),認(rèn)為銀行理財(cái)產(chǎn)品的發(fā)展已經(jīng)超出了最初的監(jiān)管預(yù)期。通過進(jìn)一步的分析,認(rèn)為迅猛發(fā)展的理財(cái)產(chǎn)品與利率市場化進(jìn)程密切相關(guān),為利率市場化改革進(jìn)入人民幣存款利率環(huán)節(jié)的替代性金融產(chǎn)品,并且由于其自身特點(diǎn),可以成為推動(dòng)利率市場化進(jìn)程的有效產(chǎn)品載體。最后,在結(jié)合銀行實(shí)際經(jīng)營和監(jiān)管現(xiàn)狀的基礎(chǔ)上,建議根據(jù)本金和收益的實(shí)際兌付責(zé)任差異將銀行理財(cái)產(chǎn)品分為類存款理財(cái)產(chǎn)品和投資類理財(cái)產(chǎn)品,并輔之不同的發(fā)展戰(zhàn)略。另一方面,為控制風(fēng)險(xiǎn)和保護(hù)投資者利益,建議將類存款理財(cái)產(chǎn)品納入銀行存款產(chǎn)品范疇進(jìn)行管理。
[Abstract]:With the deepening development of China's financial system reform. The process of interest rate marketization has entered the core link of RMB deposit interest rate marketization. At the same time, in the 12th Five-Year Plan for the Development and Reform of the Financial Industry, it is stated that "according to the conditions of maturity". By opening up the price of alternative financial products and other ways to promote the marketization of interest rates in an orderly manner. "but how to understand the maturity of the conditions. And how to define alternative financial products is not specified in the Plan. At the same time, the RMB financial products of banks have developed rapidly in recent years, which has become the product carrier of active debt of commercial banks, but from the perspective of internal profit creation. Because of the high profit factors of wealth management products, it is questioned by the "high cost liability" from the external compliance point of view. Because of the "high interest range" and "regulatory arbitrage" is facing policy risks. At the same time, with the continued expansion of the scale of banking financial products, the implicit credit risk and liquidity risk are also in the accumulation. The next step. How to understand and analyze the development of bank financial products under the background of interest rate marketization is attracting more and more attention from regulators and bank executives. This article is based on the interest rate marketization process into the RMB deposit interest rate link. Under the background of the exploding growth of financial products of commercial banks and the urgent need to improve the supervision policy of financial products, this paper studies the development practice of financial products of commercial banks. Firstly, this paper analyzes the financial products of commercial banks in recent years. The characteristics of external performance and internal operation look for the nature of the rapid development of banking financial products. Then the regulatory framework and regulatory difficulties of banking financial products are analyzed. It is believed that the development of banking financial products has exceeded the initial regulatory expectations. Through further analysis, it is concluded that the rapid development of financial products is closely related to the interest rate marketization process. For the interest rate marketization reform into the RMB deposit interest rate link alternative financial products, and because of its own characteristics, can become an effective product carrier to promote the interest rate marketization process. Finally. On the basis of the actual operation and supervision of banks, it is suggested that bank financial products be divided into deposit management products and investment financial products according to the difference of actual payment liability of principal and income. On the other hand, in order to control risks and protect the interests of investors, it is suggested that the deposit management products should be brought into the category of bank deposit products.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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