本文選題：商業(yè)銀行　切入點：銀行理財產(chǎn)品　出處：《中國石油大學（華東）》2013年碩士論文

【摘要】：近幾年來，資本市場持續(xù)低迷，無論是投資股票、基金還是貴金屬交易，都很難實現(xiàn)理想收益，甚至會出現(xiàn)大幅虧損。而銀行理財產(chǎn)品卻以穩(wěn)健的收益一支獨秀，成為市場的寵兒。隨著銀監(jiān)會頒布的《商業(yè)銀行理財產(chǎn)品銷售管理辦法》的正式施行，對于規(guī)范銀行理財產(chǎn)品的發(fā)行和銷售，具有里程碑式的意義。本文試從銀行理財產(chǎn)品的發(fā)展現(xiàn)狀、發(fā)展趨勢和風險控制入手，深入研究銀行理財產(chǎn)品如何實現(xiàn)長久穩(wěn)定的發(fā)展，為客戶帶來更多的投資選擇。 本文對國內(nèi)外銀行理財產(chǎn)品的發(fā)展歷程、東營地區(qū)理財市場現(xiàn)狀、銀行理財產(chǎn)品發(fā)展趨勢等，結合東營行實際，做了認真細致的分析。提出制約東營某某銀行理財產(chǎn)品發(fā)展的若干問題，并從創(chuàng)新、流程、內(nèi)控、售后、隊伍建設等方面提出了相應的對策，，指出銀行理財產(chǎn)品在發(fā)展中規(guī)范，在規(guī)范中發(fā)展的方向。
[Abstract]:In recent years, the capital market has been in a doldrums. Whether it is investing in stocks, funds or trading precious metals, it is very difficult to achieve the desired return, or even suffer substantial losses. Become the darling of the market. With the formal implementation of the Banking Regulatory Commission's measures on the Management of Financial Management products of Commercial Banks, to standardize the issuance and sale of banking financial products, This paper tries to start with the development status, development trend and risk control of banking financial products, and deeply study how to realize the long-term and stable development of banking financial products and bring more investment options for customers. In this paper, the development of banking products at home and abroad, the current situation of financial management market in Dongying area, the development trend of banking financial products, and so on, are combined with the actual situation of Dongying Bank. This paper makes a careful and careful analysis. It puts forward some problems restricting the development of financial management products in Dongying and so on, and puts forward the corresponding countermeasures from the aspects of innovation, process, internal control, after-sale and team construction, and points out that the banking financial management products are standardized in the development. The direction of development in norms.
【學位授予單位】：中國石油大學（華東）
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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