本文選題：理財(cái)產(chǎn)品 + 銀信合作��； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,居民收入水平的有著較大幅度的提高,但是由于投資渠道和資格的限制,使投資者止步于不少領(lǐng)域,加之國(guó)內(nèi)物價(jià)水平的不斷上升,商業(yè)銀行微薄的儲(chǔ)蓄利率已經(jīng)無(wú)法滿足投資者的投資需求了,市場(chǎng)急需專業(yè)的理財(cái)機(jī)構(gòu)為投資者管理資產(chǎn),銀行理財(cái)產(chǎn)品應(yīng)運(yùn)而生。商業(yè)銀行理財(cái)產(chǎn)品的出現(xiàn)為投資者提供了能夠參與更廣泛的市場(chǎng)的機(jī)會(huì),使投資者能夠分享各經(jīng)濟(jì)領(lǐng)域發(fā)展所帶來(lái)的收益。 商業(yè)銀行理財(cái)產(chǎn)品是商業(yè)銀行針對(duì)客戶的需求而提供的專業(yè)的理財(cái)計(jì)劃。從2004年光大銀行發(fā)行第一款人民幣理財(cái)產(chǎn)品開(kāi)始,我國(guó)的理財(cái)產(chǎn)品市場(chǎng)已經(jīng)發(fā)展近十年了,從最初每年發(fā)行幾百款理財(cái)產(chǎn)品到2011年年底發(fā)行共2萬(wàn)款理財(cái)產(chǎn)品,短短的幾年時(shí)間里,理財(cái)產(chǎn)品市場(chǎng)出現(xiàn)了爆發(fā)式增長(zhǎng),無(wú)論從發(fā)行銀行的數(shù)量、發(fā)行幣種、產(chǎn)品結(jié)構(gòu)設(shè)計(jì)方面都有了不少的進(jìn)步,但是也存在不少的問(wèn)題,比如各商業(yè)銀行設(shè)計(jì)的產(chǎn)品同質(zhì)化問(wèn)題嚴(yán)重,結(jié)構(gòu)類理財(cái)產(chǎn)品發(fā)行數(shù)量較少,主要以信貸、利率類產(chǎn)品為主,產(chǎn)品的主要功能大致是為了躲避中央銀行貨幣政策對(duì)銀行信貸發(fā)行規(guī)模的控制,或者應(yīng)付監(jiān)管機(jī)構(gòu)對(duì)季度末或者年終的資產(chǎn)負(fù)債的監(jiān)管而大量發(fā)行的變相“高息攬儲(chǔ)”的產(chǎn)品,真正為投資者提供專業(yè)化、個(gè)性化的理財(cái)服務(wù)類的產(chǎn)品較少,所以縱觀整個(gè)商業(yè)銀行的理財(cái)產(chǎn)品發(fā)行數(shù)量的變化,總是跟隨著一些金融市場(chǎng)的表現(xiàn)而大起大落,其次就是金融監(jiān)管機(jī)構(gòu)的政策動(dòng)向的改變,往往會(huì)對(duì)理財(cái)產(chǎn)品的發(fā)行造成重大影響,如商業(yè)銀行通過(guò)與信托機(jī)構(gòu)的合作發(fā)行信貸類理財(cái)產(chǎn)品,將銀行自身貸款打包出售給投資者,以優(yōu)化銀行的資產(chǎn)負(fù)債結(jié)構(gòu),但是銀行的這種行為可能會(huì)出現(xiàn)道德風(fēng)險(xiǎn)問(wèn)題,對(duì)投資者的利益造成損害,也會(huì)影響整個(gè)金融系統(tǒng)的穩(wěn)定,所以監(jiān)管機(jī)構(gòu)出臺(tái)政策限制了銀行與信托的這種合作,這對(duì)當(dāng)年理財(cái)產(chǎn)品的發(fā)行數(shù)量有較大影響。所以對(duì)于商業(yè)銀行來(lái)說(shuō),規(guī)避監(jiān)管成為產(chǎn)品創(chuàng)新的主旋律,自主創(chuàng)新的動(dòng)因明顯不足。 本文將通過(guò)對(duì)我國(guó)商業(yè)銀行理財(cái)產(chǎn)品市場(chǎng)的發(fā)展進(jìn)行回顧,介紹目前我國(guó)理財(cái)產(chǎn)品產(chǎn)生的原因、發(fā)展歷程以及目前國(guó)內(nèi)理財(cái)產(chǎn)品的種類,然后通過(guò)2005年到2011年共6年的的數(shù)據(jù)來(lái)對(duì)我國(guó)理財(cái)產(chǎn)品的發(fā)行數(shù)量、發(fā)行主體進(jìn)行分析,歸納總結(jié)從05年開(kāi)始我國(guó)理財(cái)產(chǎn)品從數(shù)量、發(fā)行主體、發(fā)行幣種等多個(gè)方面的變化,并針對(duì)各個(gè)變化試圖找出背后的原因,本文最后將提出對(duì)我國(guó)理財(cái)產(chǎn)品市場(chǎng)改良的政策建議。
[Abstract]:With the rapid development of China's economy, the income level of the residents has been greatly improved. However, due to the restrictions on investment channels and qualifications, investors have stopped in many fields, and the domestic price level has been rising continuously. The low deposit interest rate of commercial banks has been unable to meet the investment needs of investors, the market urgently needs professional financial institutions to manage assets for investors, and banking financial products emerge as the times require. The emergence of commercial bank financial products provides investors with the opportunity to participate in a wider market and enable investors to share the benefits brought by the development of various economic fields. Commercial bank financial products is a professional financial plan that commercial banks provide to meet the needs of customers. Since Everbright Bank issued the first RMB financial products in 2004, China's financial management product market has been developing for nearly a decade. From the initial issuance of hundreds of financial products a year to the end of 2011, a total of 20,000 financial products were issued. In a short period of several years, the financial management product market has seen explosive growth. No matter in terms of the number of issuing banks, the issuing currencies, and the design of the product structure, there has been a lot of progress, but there are also many problems. For example, the problems of homogenization of products designed by commercial banks are serious, and the number of structural financial products issued is relatively small, mainly in the form of credit and interest rate products. The main function of the products is roughly to evade the central bank monetary policy control on the size of bank credit issuance, or to deal with the supervision of the end of the quarter or year-end assets and liabilities issued a large number of products disguised as "high-interest" products. There are fewer products that really provide professional and personalized financial services to investors, so throughout the whole commercial bank, the number of financial products issued changes, always following the performance of some financial markets and ups and downs. Secondly, changes in the policy trends of financial regulators often have a significant impact on the issuance of financial products, such as the issuance of credit products by commercial banks in cooperation with trust agencies. They sell their own loans to investors in a package to optimize their balance sheet structure, but such behaviour can lead to moral hazard, damage to investors' interests, and the stability of the financial system as a whole. So regulators' policy limits the cooperation between banks and trusts, which has a big impact on the number of wealth management products issued that year. Therefore, for commercial banks, circumventing regulation has become the main theme of product innovation, and the motivation of independent innovation is obviously insufficient. This paper will review the development of the financial products market of commercial banks in China, introduce the reasons, the development process and the types of financial products in China. Then through the data of six years from 2005 to 2011 to analyze the number of financial products issued in our country, the main body of the issue, and summarize the changes in the number, the main body, the currency, etc., of the financial products in our country from 2005 to 2005. Aiming at the reasons behind these changes, this paper will put forward some policy suggestions to improve the market of financial management products in China.
【學(xué)位授予單位】：西南財(cái)經(jīng)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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