【摘要】：銀行理財產(chǎn)品，是商業(yè)銀行在對潛在目標客戶群進行分析和研究的基礎(chǔ)上，針對特定目標客戶群開發(fā)設(shè)計并銷售的資金投資和管理計劃。近年來，我國銀行理財產(chǎn)品發(fā)展迅速。銀行理財產(chǎn)品一方面滿足了客戶的投資和收益的需求，同時，作為銀行中間業(yè)務(wù)的重要組成部分，給銀行帶來了巨大的收益。 本文從我國銀行理財產(chǎn)品發(fā)展狀況入手，分析我國銀行理財產(chǎn)品發(fā)展的動因及特點，并對具體的銀行理財產(chǎn)品進行深入的案例分析，通過模擬計算對理財產(chǎn)品的收益率和定價情況進行分析。 在我國銀行理財產(chǎn)品的發(fā)展過程中，仍然存在諸多問題，如產(chǎn)品定價、風險控制、產(chǎn)品設(shè)計能力不足、客戶風險教育不夠等。要解決這些問題，關(guān)鍵在于創(chuàng)新。通過創(chuàng)新，，銀行可以不斷擴展投資領(lǐng)域，優(yōu)化風險控制措施，完善產(chǎn)品結(jié)構(gòu)，并進一步從客戶的角度出發(fā)進行產(chǎn)品設(shè)計。
[Abstract]:The bank financial product is the capital investment and management plan designed and sold for a specific target customer base on the basis of analysis and research on the potential target customer base. In recent years, our bank financial products have developed rapidly. On the one hand, the bank financial products meet the needs of the customers' investment and income, and at the same time, as an important part of the bank's intermediate business, the bank brings great benefits to the bank. This paper starts with the development of the financial management products in our country, analyzes the causes and characteristics of the development of the financial products in our country, and analyses the specific bank financial products, and points out the return and pricing of the financial products through the simulation. In the process of the development of Chinese bank financial products, there are still many problems, such as product pricing, risk control, insufficient product design capacity, and customer risk education. It's not enough. To solve these problems, the key is Innovation. Through innovation, the bank can expand the field of investment, optimize the risk control measures, improve the product structure, and make the product further from the customer's point of view
【學位授予單位】：上海交通大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

【共引文獻】

相關(guān)碩士學位論文 前1條

1 段曉軍;結(jié)構(gòu)性理財產(chǎn)品收益與風險分析[D];山東大學;2014年

本文編號：2503292