發(fā)布時(shí)間：2018-10-08 14:44

【摘要】：隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,居民可支配收入也呈上升勢(shì)頭。在2012年我國(guó)城鎮(zhèn)居民家庭人均可支配收入達(dá)到了36469元,2012年底城鄉(xiāng)居民儲(chǔ)蓄存款余額也突破了40萬(wàn)億元。居民手中可支配財(cái)富不斷增加,如何能夠做到財(cái)富的保值增值是大家都在關(guān)注的問(wèn)題,不斷擴(kuò)大理財(cái)需求為我國(guó)商業(yè)銀行的個(gè)人理財(cái)產(chǎn)品發(fā)展帶來(lái)了巨大的動(dòng)力,但風(fēng)險(xiǎn)因素也隨之增加。 本文探討了通過(guò)對(duì)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn),特別是由于信息不對(duì)稱問(wèn)題造成的風(fēng)險(xiǎn)及其防范。銀行理財(cái)業(yè)務(wù)中主要有銀行和投資者兩個(gè)主體,在信息量和信息質(zhì)量方面銀行出于相對(duì)優(yōu)勢(shì)的地位,而投資者則處在相對(duì)劣勢(shì)的地位。如何針對(duì)這一問(wèn)題進(jìn)行風(fēng)險(xiǎn)監(jiān)管是提高整個(gè)銀行業(yè)的風(fēng)險(xiǎn)管理水平的重要組成部分,加強(qiáng)對(duì)理財(cái)產(chǎn)品信息披露的監(jiān)管,是保證商業(yè)銀行理財(cái)產(chǎn)品市場(chǎng)健康、有序、規(guī)范發(fā)展的基礎(chǔ),對(duì)促進(jìn)我國(guó)商業(yè)銀行理財(cái)產(chǎn)品在規(guī)范中快速發(fā)展具有重大的現(xiàn)實(shí)意義。 全面正確的認(rèn)識(shí)銀行個(gè)人理財(cái)業(yè)務(wù)中存在的信息不對(duì)稱問(wèn)題是確保其健康發(fā)展的前提。本文正是出于這樣的目的,對(duì)銀行個(gè)人理財(cái)業(yè)務(wù)內(nèi)外部的信息不對(duì)稱問(wèn)題分別進(jìn)行了深入的剖析,分析其的現(xiàn)狀,并通過(guò)對(duì)于我國(guó)當(dāng)前監(jiān)管的現(xiàn)狀研究,結(jié)合發(fā)達(dá)地區(qū)在理財(cái)信息披露方面的經(jīng)驗(yàn),從實(shí)際出發(fā),對(duì)完善我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)提出了建設(shè)性的意見(jiàn)。
[Abstract]:With the rapid development of our economy, the disposable income of residents is also rising. The per capita disposable income of urban households reached 36469 yuan in 2012 and the balance of savings deposits of urban and rural residents exceeded 40 trillion yuan at the end of 2012. With the increasing of disposable wealth in the hands of residents, how to maintain and increase the value of wealth is a problem that everyone is concerned about. Expanding the demand for financial management has brought great impetus to the development of personal financial products of commercial banks in our country. But risk factors also increased. This paper discusses the risks of personal finance business of commercial banks, especially the risks caused by asymmetric information. There are two main bodies in banking financing business: bank and investor. In terms of information quantity and information quality, the bank is in the position of relative advantage, while the investor is in the position of relative inferiority. How to carry out risk supervision is an important part of improving the risk management level of the whole banking industry. To strengthen the supervision of financial products information disclosure is to ensure the healthy and orderly market of financial products of commercial banks. The basis of normative development is of great practical significance to promote the rapid development of financial products of commercial banks in China. It is a prerequisite to ensure the healthy development of banks to understand the information asymmetry problem in personal finance business. For this purpose, this paper makes a deep analysis of the information asymmetry inside and outside the bank personal finance business, analyzes its current situation, and studies the current situation of supervision in our country. Based on the experience of financial information disclosure in developed regions, this paper puts forward some constructive suggestions on how to perfect the personal financial management business of commercial banks in China.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

【引證文獻(xiàn)】

相關(guān)博士學(xué)位論文 前1條

1 藍(lán)文永;基于投資者保護(hù)的信息披露機(jī)制研究[D];西南財(cái)經(jīng)大學(xué);2009年

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本文編號(hào)：2257154