【摘要】：除去儲(chǔ)蓄與國(guó)債等傳統(tǒng)業(yè)務(wù),我國(guó)真正意義上的商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)始于20世紀(jì)90年代。到目前為止,短短的十幾年時(shí)間里,我國(guó)的商業(yè)銀行理財(cái)業(yè)務(wù)取得了巨大的進(jìn)步,尤其是近幾年的發(fā)展,速度驚人。據(jù)普益財(cái)富的統(tǒng)計(jì),2011年我國(guó)商業(yè)銀行共發(fā)行理財(cái)產(chǎn)品19176款,募集資金規(guī)模達(dá)16.49萬億元,而2005年時(shí)銀行理財(cái)產(chǎn)品發(fā)行數(shù)量?jī)H597款,募集資金僅2000億元。 目前,我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展還處于初期階段,在如此快速的發(fā)展過程中,難免會(huì)出現(xiàn)各種問題。對(duì)此,我國(guó)許多學(xué)者專門進(jìn)行了研究,從已有的文獻(xiàn)來看,最多的是較全面地研究我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展現(xiàn)狀、存在問題及發(fā)展對(duì)策,也有一部分文獻(xiàn)進(jìn)行發(fā)達(dá)市場(chǎng)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展的比較研究；有一部分文獻(xiàn)專門就其中的某個(gè)方面進(jìn)行研究,如商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的定義及業(yè)務(wù)范圍研究、理財(cái)產(chǎn)品創(chuàng)新問題研究、市場(chǎng)定位問題研究、績(jī)效評(píng)價(jià)研究、風(fēng)險(xiǎn)管理研究等,還有一小部分文獻(xiàn)進(jìn)行銀行理財(cái)產(chǎn)品的實(shí)證研究�；仡櫼延械奈墨I(xiàn)研究,很多都提到了銀行個(gè)人理財(cái)產(chǎn)品的同質(zhì)性問題,但很少有文獻(xiàn)專門對(duì)此進(jìn)行研究,故而本文對(duì)該問題展開相關(guān)研究具有一定的理論意義。具體而言,本文的研究主要內(nèi)容包括了以下幾個(gè)方面： 1.近年來我國(guó)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品的發(fā)展變化特點(diǎn)及同質(zhì)性表現(xiàn)和同質(zhì)性影響。 2.我國(guó)個(gè)人理財(cái)市場(chǎng)的需求者特點(diǎn)、供給方特點(diǎn)及市場(chǎng)環(huán)境特點(diǎn)及銀行理財(cái)產(chǎn)品同質(zhì)性產(chǎn)生原因。 3.我國(guó)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品同質(zhì)性的解決對(duì)策。 本文一共包括分為五章。其中,第一章為緒論,包括四部分,先對(duì)文章研究的宏觀經(jīng)濟(jì)背景及當(dāng)前我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展情況作簡(jiǎn)要介紹,然后依據(jù)不同研究的側(cè)重點(diǎn)差異梳理當(dāng)前關(guān)于我國(guó)商業(yè)銀行個(gè)人理財(cái)?shù)奈墨I(xiàn),指出本文的研究意義所在；接著介紹相關(guān)的基礎(chǔ)理論,包括生命周期理論(包括消費(fèi)與儲(chǔ)蓄、產(chǎn)品、客戶關(guān)系三類)、投資組合理論、資產(chǎn)定價(jià)理論、金融創(chuàng)新理論、產(chǎn)業(yè)組織理論等；最后介紹了文章的主要研究?jī)?nèi)容、研究方法及創(chuàng)新。 第二章包括了三個(gè)部分,分別是我國(guó)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品綜述、銀行理財(cái)產(chǎn)品同質(zhì)性表現(xiàn)及同質(zhì)性影響。其中,第一部分通過對(duì)近年來我國(guó)商業(yè)銀行理財(cái)產(chǎn)品的發(fā)行數(shù)量及募資規(guī)模、發(fā)行主體的變化情況的描述分析,來展現(xiàn)我國(guó)銀行理財(cái)市場(chǎng)的發(fā)展概況。通過分析可以發(fā)現(xiàn),我國(guó)銀行個(gè)人理財(cái)產(chǎn)品近年來發(fā)展數(shù)量增速與規(guī)模增速較快,平均發(fā)行規(guī)模具有向上增長(zhǎng)趨勢(shì)；市場(chǎng)供給主體漸漸增加,包括了大型國(guó)有商業(yè)銀行、股份制商業(yè)銀行、城市商業(yè)銀行、農(nóng)村商業(yè)銀行、外資銀行等類型,呈現(xiàn)出了多元化的特點(diǎn)。其中,發(fā)行數(shù)量方面,股份制商業(yè)銀行領(lǐng)先地位,但發(fā)行募資規(guī)模上,國(guó)有銀行則處于領(lǐng)先地位；而外資銀行的市場(chǎng)占有率相比則較低得多。第二部分,文章通過對(duì)2011年和2010年我國(guó)商業(yè)銀行理財(cái)市場(chǎng)的相關(guān)數(shù)據(jù)及市場(chǎng)發(fā)展情況的分析,指出了理財(cái)產(chǎn)品同質(zhì)性的八個(gè)表現(xiàn),即期限結(jié)構(gòu)趨同、預(yù)期收益率趨同、風(fēng)險(xiǎn)收益特征趨同、投資標(biāo)的資產(chǎn)類型趨同、目標(biāo)客戶群劃分趨同、發(fā)行募資幣種趨同、營(yíng)銷模式趨同、產(chǎn)品設(shè)計(jì)理念趨同及產(chǎn)品可復(fù)制性強(qiáng)等。第三部分,文章基于目前我國(guó)銀行理財(cái)業(yè)務(wù)的發(fā)展情況及銀行理財(cái)產(chǎn)品的同質(zhì)性表現(xiàn)特征,從產(chǎn)品競(jìng)爭(zhēng)力、投資者需求、銀行理財(cái)行業(yè)競(jìng)爭(zhēng)、不同類型參與銀行的發(fā)展情況及行業(yè)長(zhǎng)期發(fā)展等角度考慮,得出了銀行理財(cái)產(chǎn)品同質(zhì)性可能具有的影響,為文章后面部分的同質(zhì)性問題研究作鋪墊。 第三章是對(duì)我國(guó)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品的同質(zhì)性原因進(jìn)行探析,包括了三部分。其中,第一部分對(duì)是當(dāng)前我國(guó)個(gè)人理財(cái)業(yè)務(wù)進(jìn)行市場(chǎng)分析,主要從投資者的理財(cái)需求、除銀行外的其他個(gè)人投資理財(cái)市場(chǎng)的特征、個(gè)人投資理財(cái)市場(chǎng)的供給主體及商業(yè)銀行個(gè)人理財(cái)市場(chǎng)的市場(chǎng)環(huán)境等四個(gè)方面進(jìn)行分析,從而得出包括投資者特點(diǎn)、其他個(gè)人投資理財(cái)市場(chǎng)特征、其他個(gè)人投資理財(cái)市場(chǎng)供給方優(yōu)劣勢(shì)及銀行個(gè)人理財(cái)市場(chǎng)環(huán)境特點(diǎn)等信息,進(jìn)而考察我國(guó)個(gè)人理財(cái)市場(chǎng)的市場(chǎng)環(huán)境特點(diǎn),以便于文章后面基于我國(guó)的個(gè)人理財(cái)市場(chǎng)環(huán)境分析我國(guó)銀行理財(cái)市場(chǎng)的發(fā)展,即在大市場(chǎng)的背景下分析其中的某個(gè)子市場(chǎng)發(fā)展。第二部分,于是在第一部分的基礎(chǔ)上,對(duì)我國(guó)商業(yè)銀行個(gè)人理財(cái)市場(chǎng)的特點(diǎn)進(jìn)行總結(jié)與分析,分別從需求方特點(diǎn)、銀行方面存在的問題、行業(yè)發(fā)展環(huán)境等三個(gè)方面進(jìn)行總結(jié)與分析。第三部分,文章基于第二部分的總結(jié)與分析,對(duì)我國(guó)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品的同質(zhì)原因進(jìn)行總結(jié),并將原因分為了銀行內(nèi)部與銀行外部?jī)深惪偨Y(jié)。 第四章,文章基于行業(yè)的長(zhǎng)遠(yuǎn)發(fā)展考慮,從商業(yè)銀行角度及行業(yè)監(jiān)管角度兩個(gè)層次出發(fā),相應(yīng)地提出同質(zhì)性問題的解決對(duì)策,其中基于銀行角度的解決對(duì)策包括建立并完善客戶信息管理體系、細(xì)分客戶群體并明確市場(chǎng)定位、儲(chǔ)備專業(yè)技術(shù)人才、規(guī)劃建設(shè)以客戶為導(dǎo)向的產(chǎn)品線、建設(shè)并完善創(chuàng)新促進(jìn)機(jī)制、完善營(yíng)銷主營(yíng)銷考核體系、積極發(fā)展中間業(yè)務(wù)并促進(jìn)業(yè)務(wù)轉(zhuǎn)型、積極進(jìn)行投資者教育并加強(qiáng)客戶培育、加強(qiáng)理財(cái)產(chǎn)品的品牌建設(shè)、加快銀行體制改革等十個(gè)方面；基于行業(yè)監(jiān)管角度提出的解決對(duì)策包括做好行業(yè)發(fā)展規(guī)劃、降低銀行壟斷地位、加快金融衍生品市場(chǎng)發(fā)展、加強(qiáng)投資者教育并不斷提高投資者素質(zhì)、促進(jìn)金融市場(chǎng)多元化發(fā)展并推進(jìn)混業(yè)經(jīng)營(yíng)模式的早日實(shí)現(xiàn)等五個(gè)方面。 第五章,是對(duì)我國(guó)商業(yè)銀行個(gè)人理財(cái)行業(yè)的發(fā)展前景的展望,并總結(jié)了文章存在的不足,即本文缺少對(duì)相關(guān)外文文獻(xiàn)的研究,文章所引用數(shù)據(jù)由于沒有官方統(tǒng)計(jì),各種數(shù)據(jù)版本往往不一致,因而本文本著盡量引用有官方統(tǒng)計(jì)的、有較完整統(tǒng)計(jì)及較新版本的數(shù)據(jù)原則來采集數(shù)據(jù),以求最真實(shí)地還原經(jīng)濟(jì)現(xiàn)象。 本文的創(chuàng)新之處在于選擇了目前較少被研究的我國(guó)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品同質(zhì)性作為研究對(duì)象,結(jié)合我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展的具體市場(chǎng)環(huán)境因素,對(duì)銀行理財(cái)產(chǎn)品同質(zhì)性的表現(xiàn)及產(chǎn)生原因,從商業(yè)銀行個(gè)人理財(cái)產(chǎn)品的供需兩方相結(jié)合的角度進(jìn)行研究,以求能夠較全面的考察銀行理財(cái)產(chǎn)品的同質(zhì)性現(xiàn)象及提出較有針對(duì)性的解決對(duì)策。
[Abstract]:To remove the traditional business such as savings and national debt, the personal financial management of commercial banks in the real sense of our country begins in the 1990s. So far, in a short period of more than a decade, our commercial bank's financial management has made great progress, especially in recent years. According to the statistics of Pyi's wealth, in 2011, China's commercial bank issued a total of 19176 financial products, with the raised capital of 16.49 trillion yuan, compared with only 597 in 2005, with the raised capital of only 200 million yuan. At present, the development of personal financial management in China's commercial banks is still in the early stage, and in such a rapid development process, it is difficult to ask for a variety of questions In this regard, many scholars of our country have made a special study, from the existing literature, the most of it is to study the current situation, problems and development of the personal financial management of the commercial banks in our country. The paper also has some literature on the comparative study of the development of personal financial management in the developed market. Some of the literature is devoted to the research of some aspects, such as the definition of the personal financial service of the commercial bank, the research of the business scope and the innovation of the financial products. Research on market location, research on performance evaluation, risk management research, etc., and a small part of the literature to carry on the empirical research of bank financial products There are many references to the homogeneity of personal wealth management products in the bank, but there are few references to this study, so this paper has some theoretical implications for the research of this problem. In particular, the main contents of this paper include the following parties: 1. The development and change characteristics and homogeneity of personal wealth management products of commercial banks in China in recent years 2. The characteristics of the demander in the personal financial market of our country, the characteristics of the market and the characteristics of the market environment and the homogeneity of the financial products of the bank 3. The reason of the production of personal wealth management products of commercial banks in China. The solution to the nature of the problem. This paper is divided into five chapters. The first chapter is the introduction, including four parts, firstly, the macro-economic background of the article research and the development of the personal financial management of the commercial bank in our country are briefly introduced, and then the current business of our country is combing according to the difference of the different research. The paper points out the research significance of the bank's personal financial management, and then introduces the relevant basic theory, including the life cycle theory (including three types of consumption and saving, product, customer relationship), portfolio theory, asset pricing theory, and financial innovation theory. In the end, the paper introduces the main research of the article The second chapter includes three parts: the summary of personal wealth management products of China's commercial banks, and the financial products of the bank The first part shows our country through the description and analysis of the distribution quantity of the financial products of the commercial banks and the scale of the fund-raising and the distribution of the main body in recent years. The development of the bank's financial management market has been analyzed. Through the analysis it can be found that the growth of the growth and the scale of the individual wealth management products of our bank in recent years is faster, the average distribution scale has an upward trend of growth, the main body of the market supply is gradually increasing, including the large-scale state-owned commercial banks and the joint-stock system The types of commercial banks, urban commercial banks, rural commercial banks and foreign banks The state-owned banks are in the leading position, but the state-owned banks are in the leading position, and the city of foreign banks The second part, through the analysis of the related data and market development of the financial market of the commercial banks in China in 2011 and 2010, points out the eight performance of the homogeneity of the financial product, that is, the time limit structure is the same, the expected rate of return Convergence, the convergence of risk-benefit features, the convergence of the asset types of the target, the convergence of the target customer base, the convergence of the currency-raising currency, the convergence of the marketing model, the concept of product design The third part, based on the current development of our bank financing business and the homogeneity of the bank financial products, from the product competitiveness, the demand of investors, the competition between the banking and finance industry, the development of different types of participating banks, In view of the long-term development of the industry, the effect of the homogeneity of the financial product of the bank is obtained, which is the later part of the article. The third chapter is the homogeneity of personal wealth management products of commercial banks in China. The reason is analyzed, including three parts. The first part is the market analysis of the current personal wealth management business in our country, mainly from the investor's financial demand, except the bank The characteristics of other personal investment financial markets, the supply of personal investment and financing market and the market environment of the personal financial market of commercial banks are analyzed, and the characteristics of the investors are obtained. The characteristics of the other individual investment and financing market, the advantages and disadvantages of other individual investment and financing market and the environmental characteristics of the bank's personal wealth management market are analyzed, and the characteristics of the market environment of the personal finance market in our country are also examined, so as to be based on the personal financial market environment of our country. Analysis of the Development of China's Bank's Financial Management Market, the Background of the Big Market The second part, on the basis of the first part, summarizes and analyzes the characteristics of the personal wealth management market of the commercial bank of our country, from the characteristics of the demand side, the problems existing in the bank, the development ring of the industry, The third part, based on the summary and analysis of the second part, sums up the reasons for the homogeneity of the personal wealth management products of the commercial banks in China, and divides the reasons into the following: In the fourth chapter, based on the long-term development of the industry, the paper puts forward the solution to the problem of homogeneity based on the two levels of the angle of the commercial bank and the regulation of the industry, in which the solution to the problem of the bank is based on the bank's angle. comprises the following steps of: establishing and perfecting a customer information management system, subdividing a customer group and clear market positioning, reserve professional technical personnel, planning and building a customer-oriented product line, building and perfecting the innovation promotion mechanism, and perfecting the marketing main marketing evaluation system, To actively develop the intermediate business and promote the transformation of the business, actively carry out investor education and strengthen the cultivation of the customer, strengthen the brand construction of the financial products, and speed up the reform of the banking system. The solution measures proposed based on the industry supervision angle include the well-being of the industry development plan and the reduction of the bank ridging. To break the position, to speed up the development of the financial derivatives market, to strengthen the education of investors and to improve the quality of the investors, to promote the diversification of financial markets and to promote the mix The fifth chapter is the prospect of the development of the personal finance industry of the commercial bank of our country, and sums up the deficiency of the article, that is, the paper lacks the research on the relevant foreign language documents, and the data cited in this article is not With official statistics, the various data versions are often inconsistent, so this article is based on the data principle of more complete statistics and newer versions as far as possible to the official statistics The innovation of this paper is to select the homogeneity of the individual financial products of our commercial banks as the research object, and to combine the specific market environment factors of the development of the personal financial management of the commercial banks in our country. The paper studies the performance and causes of the homogeneity of the financial products of the bank, and makes a study on the combination of the supply and demand of the individual financial products of the commercial bank, so as to be able to study the financial products of the bank in a more comprehensive way
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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