本文選題：商業(yè)銀行 + 理財產(chǎn)品��； 參考：《武漢理工大學(xué)》2013年碩士論文

【摘要】：隨著我國經(jīng)濟(jì)的持續(xù)發(fā)展,國內(nèi)生產(chǎn)總值不斷增加,國民整體收入水平有了很大提升,21世紀(jì)中國步入快速發(fā)展期以后,城鎮(zhèn)居民的人均可支配收入更是穩(wěn)步增加,財富的日益積累使得人們對資產(chǎn)管理的需求日益強(qiáng)烈,這為我國商業(yè)銀行個人理財產(chǎn)品市場的發(fā)展提供了良好的基礎(chǔ)。與此同時,隨著國內(nèi)金融市場的持續(xù)發(fā)展和金融改革的不斷深化,保險、證券、基金、信托等金融機(jī)構(gòu)迅速崛起,銀行業(yè)中金融脫媒日益明顯。面對日漸激烈的同業(yè)競爭,銀行傳統(tǒng)盈利來源也受到擠壓,國內(nèi)商業(yè)銀行急需尋找新的利潤增長點(diǎn)。在這樣的形勢下,我國各商業(yè)銀行逐鹿理財產(chǎn)品市場,個人理財業(yè)務(wù)也成為其重點(diǎn)拓展的領(lǐng)域。銀行既可以通過提供優(yōu)質(zhì)的個人理財產(chǎn)品和服務(wù)滿足我國居民的理財需求,同時也有利于其應(yīng)對激烈的市場競爭和增加利潤來源。 回顧銀行業(yè)理財市場發(fā)展,我國商業(yè)銀行個人理財產(chǎn)品市場的萌芽出現(xiàn)在20世紀(jì)90年代,經(jīng)過十多年的探索,目前正處于發(fā)展的關(guān)鍵時期,未來還有很大的發(fā)展?jié)摿涂臻g。但是,由于起步較晚,我國市場與發(fā)達(dá)國家成熟的市場相比還有很大差距,國內(nèi)商業(yè)銀行結(jié)合自身的發(fā)展?fàn)顩r,應(yīng)多借鑒國外的發(fā)展經(jīng)驗(yàn),不斷提升產(chǎn)品質(zhì)量,滿足居民的理財需求,增強(qiáng)自己的市場競爭力,促進(jìn)我國銀行個人理財產(chǎn)品市場的快速發(fā)展。 本文主要從以下六個部分對我國商業(yè)銀行個人理財產(chǎn)品市場進(jìn)行研究：第一部分為緒論,介紹了本文的研究背景、研究意義、國內(nèi)外相關(guān)文獻(xiàn)綜述,以及研究內(nèi)容和研究方法。第二部分主要介紹了與我國商業(yè)銀行理財產(chǎn)品市場形成和發(fā)展相關(guān)的基礎(chǔ)理論,包括市場供求理論、生命周期理論、資產(chǎn)組合理論和金融創(chuàng)新理論。第三部分從發(fā)展歷程、形成和發(fā)展的原因等方面詳細(xì)分析了我國商業(yè)銀行個人理財產(chǎn)品市場的發(fā)展?fàn)顩r。第四部分通過計量方法對影響我國商業(yè)銀行個人理財產(chǎn)品市場發(fā)展的因素進(jìn)行了實(shí)證研究。第五部分以美國和日本為代表,對比分析了發(fā)達(dá)國際銀行理財產(chǎn)品市場的發(fā)展?fàn)顩r,以作借鑒。第六部分提出對策建議。
[Abstract]:With the sustained development of China's economy, the gross domestic product (GDP) continues to increase, and the overall national income level has been greatly improved. Since China entered the period of rapid development in the 21st century, the per capita disposable income of urban residents has increased steadily. The increasing accumulation of wealth makes the demand for asset management increasingly strong, which provides a good basis for the development of personal financial products market of commercial banks in China. At the same time, with the continuous development of the domestic financial market and the deepening of the financial reform, insurance, securities, funds, trust and other financial institutions have risen rapidly, and financial disintermediation is becoming increasingly obvious in the banking industry. In the face of increasingly fierce interbank competition, the traditional profit sources of banks are also squeezed, and domestic commercial banks urgently need to find new profit growth points. In this situation, the commercial banks of our country go after the market of financial management products, and personal finance business has become its key expansion field. Banks can not only provide high-quality personal financial products and services to meet the financial needs of Chinese residents, but also help them cope with fierce market competition and increase profit sources. Looking back on the development of banking financial management market, the sprout of personal financial products market of commercial banks in our country appeared in the 1990s. After more than ten years of exploration, it is now in the key period of development, and there is still great potential and space for development in the future. However, due to the late start, there is still a big gap between the Chinese market and the mature market in developed countries. Domestic commercial banks should learn more from foreign development experience and continuously improve the quality of their products in combination with their own development situation. To meet the financial needs of residents, to enhance their market competitiveness, to promote the rapid development of personal financial products market. This article mainly carries on the research from the following six parts to our country commercial bank personal finance product market: the first part is the introduction, has introduced the research background, the research significance, the domestic and foreign related literature summary, as well as the research content and the research method. The second part mainly introduces the basic theories related to the formation and development of the financial products market of commercial banks in China, including market supply and demand theory, life cycle theory, portfolio theory and financial innovation theory. The third part analyzes the development of the personal financial products market of commercial banks in detail from the development course, the formation and the development reason and so on. The fourth part makes an empirical study on the factors that affect the development of personal financial products market of commercial banks in China. The fifth part takes the United States and Japan as the representative, contrasts and analyzes the developed international bank financial management product market development condition, in order to use for reference. The sixth part puts forward countermeasures and suggestions.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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