本文關(guān)鍵詞：利率市場化對銀行理財產(chǎn)品的影響及對策　出處：《武漢紡織大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

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【摘要】：利率市場化改革是我國金融體制改革的核心內(nèi)容之一,黨的十八大對此高度重視,指出要建立健全現(xiàn)代金融體系,深化金融體制改革,促進(jìn)我們宏觀經(jīng)濟(jì)穩(wěn)定健康的發(fā)展。利率市場化是指金融機(jī)構(gòu)在貨幣市場經(jīng)營融資的利率水平;銀行首先分析潛在的目標(biāo)客戶群,并針對這些群體開發(fā)設(shè)計一款投資和管理計劃就是銀行理財產(chǎn)品。一方面,伴隨著我國利率市場化的穩(wěn)步推進(jìn),影響了我國的金融環(huán)境,各個金融機(jī)構(gòu)之間可以自由公平的激烈競爭,這樣銀行理財產(chǎn)品的價格會在一個合理的范圍內(nèi)浮動,但也對理財產(chǎn)品有一定的影響。利率市場化加快了銀行理財產(chǎn)品發(fā)展的步伐,反過來銀行理財產(chǎn)品是利率市場化改革發(fā)展到一定階段的產(chǎn)物。為適應(yīng)利率放開和市場的需求,銀行理財產(chǎn)品必須不斷創(chuàng)新和前進(jìn),以滿足不同客戶的需要;另一方面,理財產(chǎn)品在快速發(fā)展的同時,在種類結(jié)構(gòu)、透明度、金融知識欠缺、信息披露以及風(fēng)險揭示等方面也表現(xiàn)出一些問題。在查閱相關(guān)資料的基礎(chǔ)之上,首先探討了本課題的由來及意義,通過閱讀大量的相關(guān)資料,筆者闡述了國內(nèi)外研究現(xiàn)狀;其次,對我國市場利率化理論和銀行理財產(chǎn)品的相關(guān)概念進(jìn)行深入剖析,為后續(xù)的深入研究奠定理論基礎(chǔ);再次,從銀行理財產(chǎn)品的規(guī)模、產(chǎn)品的創(chuàng)新、競爭力以及風(fēng)險管控能力等多方面深入剖析了利率市場化對銀行理財產(chǎn)品的影響;最后,基于利率市場化,并根據(jù)銀行理財產(chǎn)品面臨的諸多挑戰(zhàn),從銀行開展理財產(chǎn)品的策略、國外銀行經(jīng)驗借鑒以及利率市場化條件下的產(chǎn)品風(fēng)險控制三個方面著手,提出了為應(yīng)對利率市場化銀行理財產(chǎn)品應(yīng)采取的應(yīng)對措施。
[Abstract]:The reform of interest rate marketization is one of the core contents of the financial system reform in China. The 18 Party Congress attaches great importance to it and points out that it is necessary to establish and perfect the modern financial system and deepen the reform of the financial system. The marketization of interest rate refers to the level of interest rate that financial institutions operate and finance in the money market; Banks first analyze the potential target customer groups, and develop and design an investment and management plan for these groups is banking financial products. On the one hand, with the steady progress of interest rate marketization in China. Affected the financial environment of our country, each financial institution can be free and fair fierce competition, so the price of bank financial products will fluctuate within a reasonable range. But it also has a certain impact on the financial products. The interest rate marketization has accelerated the pace of the development of banking financial products. In turn, banking financial products are the product of interest rate market-oriented reform to a certain stage. In order to meet the needs of interest rate liberalization and market, bank financial products must be constantly innovated and advanced to meet the needs of different customers. On the other hand, financial products in the rapid development, in the category structure, transparency, lack of financial knowledge, information disclosure and risk disclosure also showed some problems. First of all, the origin and significance of this topic is discussed. Through reading a large number of relevant materials, the author expounds the current research situation at home and abroad. Secondly, the theory of market interest rate and the related concepts of banking financial products are deeply analyzed to lay a theoretical foundation for further research. Thirdly, the paper analyzes the impact of interest rate marketization on banking financial products from the aspects of scale, innovation, competitiveness and risk control ability. Finally, based on the marketization of interest rate, and according to the many challenges faced by the banking financial products, from the bank to carry out the strategy of financial products. Based on the experience of foreign banks and the product risk control under the condition of interest rate marketization, this paper puts forward some countermeasures to deal with the financial products of market-oriented interest rate banks.
【學(xué)位授予單位】：武漢紡織大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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本文編號：1359152