【摘要】：自國內(nèi)首款銀行理財(cái)產(chǎn)品問世以來，銀行理財(cái)市場的發(fā)行量均保持著快速增長，2011年更是出現(xiàn)了“大爆發(fā)”式增長。昔日大眾眼中陌生的商業(yè)銀行理財(cái)產(chǎn)品如今已經(jīng)成為家喻戶曉的投資產(chǎn)品。成百上千種人民幣和外匯理財(cái)產(chǎn)品在市場上推出，其實(shí)現(xiàn)的理財(cái)業(yè)務(wù)規(guī)模已經(jīng)超過萬億元。與此同時(shí)，我國理財(cái)市場中，也出現(xiàn)了不少問題，如理財(cái)產(chǎn)品定價(jià)不夠科學(xué)，理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理薄弱、理財(cái)過程信息不對稱、理財(cái)業(yè)務(wù)人員素質(zhì)差異大。這些問題如不解決，將會(huì)影響理財(cái)市場的進(jìn)一步發(fā)展。 這些問題的出現(xiàn)，本人研究認(rèn)為，與下述原因有關(guān)。第一，缺乏科學(xué)的定價(jià)機(jī)制，采用“跟隨策略”，難以根據(jù)自己產(chǎn)品的特色進(jìn)行靈活調(diào)整。第二，我國商業(yè)銀行的理財(cái)業(yè)務(wù)仍處于粗放型的管理階段，理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)管理能力相對落后。第三，在理財(cái)過程中未能建立完整的售前、售中、售后信息披露機(jī)制。第四，缺乏能夠與大客戶進(jìn)行有效溝通的高素質(zhì)人才和能夠精通理財(cái)知識(shí)的專業(yè)理財(cái)講解人員。 為規(guī)范理財(cái)市場，促進(jìn)理財(cái)市場健康發(fā)展，本人提出以下對策。第一，建立“三市場互補(bǔ)定價(jià)機(jī)制”，實(shí)現(xiàn)銀行理財(cái)產(chǎn)品價(jià)格公允化。第二，在組織、技術(shù)、稽核、人員素質(zhì)、客戶理財(cái)意識(shí)培養(yǎng)等方面加強(qiáng)內(nèi)部控制系統(tǒng)建設(shè)和維護(hù)，實(shí)現(xiàn)風(fēng)險(xiǎn)管理控制的一體化。第三，通過實(shí)現(xiàn)充分的風(fēng)險(xiǎn)揭示和滿足投資者的知情權(quán)，讓業(yè)務(wù)信息得到披露，解決銀行與投資者之間的信息不對稱問題。第四，嚴(yán)格根據(jù)一線銷售人員、客戶經(jīng)理和專業(yè)理財(cái)師各自的素質(zhì)要求，確定商業(yè)銀行理財(cái)業(yè)務(wù)從業(yè)人員進(jìn)入和退出機(jī)制。
[Abstract]:Since the introduction of the first banking wealth management product in China, the circulation of banking financial management market has maintained a rapid growth, and in 2011, there has been a "big explosion" of growth. In the eyes of the public once strange commercial bank financial products have become household-known investment products. Hundreds of yuan and foreign exchange products have been launched on the market, with a wealth management business of more than trillion yuan. At the same time, there are many problems in the financial management market of our country, such as the pricing of financial products is not scientific enough, the risk management of financial management is weak, the information of financial management process is asymmetric, and the quality of financial management personnel is different. These problems, if not resolved, will affect the further development of financial markets. The emergence of these problems, I think, is related to the following reasons. First, it is difficult to adjust flexibly according to the characteristics of its products because of the lack of scientific pricing mechanism and the adoption of "following strategy". Second, the financial management business of commercial banks in China is still in the extensive management stage, and the risk management ability of financial management business is relatively backward. Third, in the process of financial management failed to establish a complete pre-sale, during-sale, after-sale information disclosure mechanism. Fourth, there is a lack of high quality personnel who can communicate effectively with major clients and professional financial managers who are proficient in financial management knowledge. In order to standardize the financial market and promote the healthy development of the financial market, I propose the following countermeasures. First, establish a "three-market complementary pricing mechanism" to achieve fair prices of bank financial products. Second, strengthen the construction and maintenance of internal control system in the aspects of organization, technology, audit, personnel quality and customer financial management consciousness, and realize the integration of risk management and control. Thirdly, the problem of information asymmetry between banks and investors should be solved by realizing the sufficient risk to reveal and satisfy the investors' right to know, so that the business information can be disclosed. Fourth, strictly according to the quality requirements of front-line sales personnel, account managers and professional financial planner, determine the entry and exit mechanism of commercial bank financial management practitioners.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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