本文選題：理財(cái)產(chǎn)品 + 風(fēng)險管理　； 參考：《中南大學(xué)》2013年碩士論文

【摘要】：摘要：近年來,國內(nèi)各銀行的理財(cái)業(yè)務(wù)呈現(xiàn)出如火如荼的發(fā)展景象,銀行均在積極地向市場推出各色的理財(cái)產(chǎn)品。另一方面,人們對理財(cái)產(chǎn)品的需求越來越旺盛,迫切希望所擁有的財(cái)富能夠合理地保值和增值,即商業(yè)銀行理財(cái)產(chǎn)品具有巨大的市場潛力。然而,商業(yè)銀行的理財(cái)業(yè)務(wù)風(fēng)險點(diǎn)越來越多,風(fēng)險不斷加大。因此,如何更好地分析商業(yè)銀行經(jīng)營理財(cái)產(chǎn)品的過程中出現(xiàn)的問題,并探尋到規(guī)避這些問題的具體方法和規(guī)范風(fēng)險管理的詳細(xì)對策就成為一個研究熱點(diǎn)。 本文在吸取前人研究成果的基礎(chǔ)之上,以興業(yè)銀行長沙分行為研究對象,綜合運(yùn)用文獻(xiàn)分析方法、理論分析方法、案例分析方法、問卷調(diào)查法等研究方法,全面分析理財(cái)產(chǎn)品風(fēng)險管理的相關(guān)內(nèi)容。首先,介紹興業(yè)銀行長沙分行的風(fēng)險管理現(xiàn)狀,從而得出該分行在理財(cái)風(fēng)險管理過程中所面臨的一些突出問題。其次,以某一類型的理財(cái)產(chǎn)品為例,通過建立評估指標(biāo)體系,對興業(yè)銀行長沙分行理財(cái)風(fēng)險進(jìn)行綜合評估,認(rèn)為：內(nèi)部風(fēng)險因素對整體風(fēng)險的影響更大一些；內(nèi)部風(fēng)險因素中的內(nèi)部制度風(fēng)險和流動性風(fēng)險對風(fēng)險的總體情況影響更明顯；外部風(fēng)險因素中的匯率風(fēng)險和通貨膨脹風(fēng)險對風(fēng)險的總體情況影響更顯著。然后,系統(tǒng)地分析法律風(fēng)險、市場風(fēng)險、操作風(fēng)險、流動風(fēng)險的產(chǎn)生原因。最后,針對此四類風(fēng)險,分別提出興業(yè)銀行長沙分行風(fēng)險管理的可行性對策,從而希望能夠確保將理財(cái)風(fēng)險保持在可以有效控制的范圍之內(nèi)。
[Abstract]:Absrtact: in recent years, the financial management business of domestic banks has been developing in full swing, and banks are actively promoting various kinds of financial management products to the market. On the other hand, people's demand for financial products is more and more vigorous, and they urgently hope that the wealth they possess can maintain and increase their value reasonably, that is, commercial banks' wealth management products have huge market potential. However, the commercial bank financial management business risk point more and more, the risk unceasingly increases. Therefore, how to better analyze the problems in the process of commercial banks operating financial products, and explore the specific methods to avoid these problems and standardize the detailed measures of risk management has become a research hotspot. On the basis of the previous research results, this paper takes Changsha Branch of Industrial Bank as the research object, synthetically applies the literature analysis method, the theory analysis method, the case analysis method, the questionnaire survey method and so on. Comprehensive analysis of financial product risk management related content. Firstly, the paper introduces the current situation of risk management of Societe Generale Bank Changsha Branch, and obtains some outstanding problems in the process of financial risk management. Secondly, take a certain type of financial management products as an example, through the establishment of an evaluation index system, the comprehensive evaluation of financial risk of Industrial Bank Changsha Branch, that: internal risk factors have greater impact on the overall risk; The internal institutional risk and liquidity risk of internal risk factors have more obvious influence on the overall situation of risk, while the exchange rate risk and inflation risk of external risk factor have more significant influence on the overall situation of risk. Then, the causes of legal risk, market risk, operational risk and liquidity risk are systematically analyzed. Finally, aiming at these four kinds of risks, the paper puts forward the feasible countermeasures of risk management in Changsha Branch of Industrial Bank of China, hoping to ensure that the financial risk can be kept within the scope of effective control.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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本文編號：2012865