本文選題：商業(yè)銀行理財(cái)產(chǎn)品 + 市場(chǎng)情況定價(jià)　； 參考：《復(fù)旦大學(xué)》2013年碩士論文

【摘要】：銀行理財(cái)產(chǎn)品作為中國(guó)新興的財(cái)富管理工具之一,近年來逐漸成為中國(guó)資產(chǎn)管理市場(chǎng)上重要的組成部分。 當(dāng)前,我國(guó)金融市場(chǎng)發(fā)展的深度依然不夠,社會(huì)融資中通過股票、企業(yè)債券、信托貸款等直接融資的比例仍比較有限,投資者進(jìn)行資產(chǎn)管理的工具選擇范圍較窄。在這一背景下,銀行理財(cái)產(chǎn)品的發(fā)展對(duì)優(yōu)化我國(guó)金融市場(chǎng)結(jié)構(gòu)、促進(jìn)利率市場(chǎng)化的發(fā)展具有多方面的積極影響。 本文將對(duì)商業(yè)銀行理財(cái)產(chǎn)品進(jìn)行詳細(xì)的分析以更清晰的還原剖析這塊日益紅火卻又爭(zhēng)議頻頻的市場(chǎng)。 本文著重研究商業(yè)銀行理財(cái)產(chǎn)品的市場(chǎng)情況,收益率定價(jià)、產(chǎn)品的運(yùn)作模式及相應(yīng)的風(fēng)險(xiǎn),用詳實(shí)的數(shù)據(jù)與圖表闡述了市場(chǎng)的現(xiàn)狀及將來可能的走勢(shì)；繼而對(duì)市場(chǎng)上銀行理財(cái)產(chǎn)品的定價(jià)方式定價(jià)原理進(jìn)行了相關(guān)分析,這對(duì)于投資者合理地選擇投資時(shí)機(jī)有一定益處；文末對(duì)如今存有爭(zhēng)議的市場(chǎng)觀點(diǎn)如“影子銀行”及“龐氏騙局”進(jìn)行了觀點(diǎn)的整理分析,并提出了一些相關(guān)的建議。
[Abstract]:As one of the new wealth management tools in China, bank financial products have gradually become an important part of China's asset management market in recent years. At present, the depth of the development of our financial market is still not enough, the proportion of direct financing through stocks, corporate bonds, trust loans and so on in social financing is still relatively limited, and the choice of instruments for investors to manage assets is relatively narrow. Under this background, the development of banking financial products has many positive effects on optimizing the structure of financial market and promoting the development of interest rate marketization. In this paper, commercial bank financial products will be analyzed in detail to more clearly analyze the increasingly popular but controversial market. This paper focuses on the market situation, rate of return pricing, operating mode and corresponding risks of the financial products of commercial banks, and explains the current situation and possible future trend of the market with detailed data and charts. Then it analyzes the pricing principle of banking financial products in the market, which is beneficial to investors to choose the right time to invest. At the end of the paper, some controversial market views such as "shadow banking" and "Ponzi scheme" are analyzed, and some relevant suggestions are put forward.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

【共引文獻(xiàn)】

相關(guān)博士學(xué)位論文 前2條

1 馮s，

本文編號(hào)：2080148