本文選題：理財產(chǎn)品 + 風(fēng)險管理�。� 參考：《北京交通大學(xué)》2011年碩士論文

【摘要】：2007年,我國銀行理財產(chǎn)品呈現(xiàn)出爆發(fā)性的增長,全年人民幣產(chǎn)品發(fā)行了1302只,外幣產(chǎn)品發(fā)行了1760只,均遠(yuǎn)超過2006年的水平。但是,在美國次貸危機爆發(fā)、國內(nèi)多次加息等背景下,聯(lián)接境外股票、商品、利率和匯率的產(chǎn)品出現(xiàn)了大面積的低收益、零收益,甚至是負(fù)收益現(xiàn)象。關(guān)于銀行理財產(chǎn)品設(shè)計不合理、銀行風(fēng)險提示不充分、銀行理財產(chǎn)品監(jiān)管不嚴(yán)等質(zhì)疑不絕于耳,關(guān)于商業(yè)銀行理財產(chǎn)品的投訴也越來越多。商業(yè)銀行理財產(chǎn)品風(fēng)險再次成為社會大眾關(guān)注的焦點。 隨著我國經(jīng)濟快速發(fā)展,居民手中可支配財富不斷增加,財富保值增值成為居民的迫切需要,這為我國商業(yè)銀行理財產(chǎn)品發(fā)展帶來了巨大的市場潛力。但是,受法律制度、管理體制和市場發(fā)育程度等方面的制約,我國商業(yè)銀行理財產(chǎn)品不可避免地會遇到許多新的問題。目前中國理財市場處于從無序競爭向規(guī)范化發(fā)展的轉(zhuǎn)折時期,發(fā)展過程中出現(xiàn)的盲目和惡性競爭也給商業(yè)銀行帶來了新的風(fēng)險隱患,研究如何妥善地處理好理財市場發(fā)展中的問題,完善商業(yè)銀行理財產(chǎn)品風(fēng)險管理體系,提高商業(yè)銀行對理財產(chǎn)品風(fēng)險的管理水平,加強對理財產(chǎn)品的監(jiān)管,是保證商業(yè)銀行理財產(chǎn)品市場健康、有序、規(guī)范發(fā)展的基礎(chǔ),對促進我國商業(yè)銀行理財產(chǎn)品在規(guī)范中快速發(fā)展具有重大的現(xiàn)實意義。 總之,本人結(jié)合今年以來我國理財產(chǎn)品風(fēng)險案例,運用MBA階段所學(xué)的理論知識,結(jié)合工作實際,對理財產(chǎn)品風(fēng)險及其風(fēng)險管理進行分析,目的是探索我國理財產(chǎn)品風(fēng)險管理的有效途徑。
[Abstract]:In 2007, China's banking financial products showed an explosive growth, with 1302 RMB products issued and 1760 foreign currency products issued in the whole year, all far exceeding the 2006 level. However, under the background of the outbreak of the subprime mortgage crisis in the United States and the increase of interest rates at home many times, the products connected with foreign stocks, commodities, interest rates and exchange rates have appeared a large area of low yield, zero return, and even negative return phenomenon. There are more and more complaints about financial products of commercial banks, such as unreasonable design of banking financial products, inadequate warning of bank risks, lax supervision of bank financial products and so on. The commercial bank financial management product risk once again becomes the social public attention focal point. With the rapid development of our country's economy, the disposable wealth in the hands of the residents is increasing constantly. It is urgent for the residents to maintain and increase the value of wealth, which has brought huge market potential for the development of financial products of commercial banks in our country. However, due to the restriction of legal system, management system and market development degree, the financial products of commercial banks in China will inevitably encounter many new problems. At present, China's financial market is in a turning point from disorderly competition to standardized development. Blind and vicious competition in the process of development also brings new risks to commercial banks. How to properly deal with the problems in the development of financial management market, perfect the risk management system of financial products of commercial banks, improve the management level of financial products risks of commercial banks, and strengthen the supervision of financial products, It is the basis to ensure the healthy, orderly and standardized development of the commercial bank financial products market, and has great practical significance to promote the rapid development of the commercial bank financial products in the norms. In a word, combining with the case of financial product risk in China since this year, using the theory and practice of MBA, I analyze the risk of financial product and its risk management. The aim is to explore the effective way of risk management of financial products in China.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：F832.2

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本文編號：2010229