本文關(guān)鍵詞：我國商業(yè)銀行理財產(chǎn)品風(fēng)險研究　出處：《安徽大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：2010年以來,由于政府對房地產(chǎn)市場進行宏觀調(diào)控的效果日趨明顯,加之股票投資市場的持續(xù)低迷,使得廣大的投資者開始將目光轉(zhuǎn)移至原本并未過多涉足的銀行理財產(chǎn)品市場。應(yīng)對這種局面,國內(nèi)各大商業(yè)銀行開始積極投身到拓展理財產(chǎn)品的業(yè)務(wù)上來,各種類型的理財產(chǎn)品層出不窮,近兩年理財產(chǎn)品的發(fā)售數(shù)量較之以往出現(xiàn)“井噴”式增長態(tài)勢。但是,由于我國商業(yè)銀行開展理財產(chǎn)品業(yè)務(wù)的時間不長,對銀行理財產(chǎn)品的理論缺乏系統(tǒng)的研究,尤其是對于不同類型理財產(chǎn)品的運行機制沒有權(quán)威的界定,這就導(dǎo)致我國商業(yè)銀行在開展理財業(yè)務(wù)面臨的風(fēng)險存在很大的不確定性。而縱觀全球,歐美很多國家的商業(yè)銀行早在2008年美國次貸危機之后就開始對理財產(chǎn)品運行機制的安全性和理財業(yè)務(wù)背后基礎(chǔ)資產(chǎn)的優(yōu)質(zhì)性進行普遍關(guān)注。因此,我國商業(yè)銀行在追求理財產(chǎn)品規(guī)模飛速發(fā)展的同時,更應(yīng)該加強對理財產(chǎn)品運行機制安全性和創(chuàng)新性的重視,特別是應(yīng)該對在提高收益穩(wěn)定性的同時如何有效降低投資者所承擔(dān)風(fēng)險等方面給予系統(tǒng)研究。這對于我國商業(yè)銀行理財產(chǎn)品業(yè)務(wù)實現(xiàn)從起步走向成熟尤為關(guān)鍵。 本文主要包括以下幾個方面內(nèi)容： 第一章主要是對本文的選題背景進行闡述,并明確了選題意義。在對國內(nèi)外研究現(xiàn)狀分析的基礎(chǔ)上,總結(jié)出本文的研究思路和研究價值。 第二章是就商業(yè)銀行理財產(chǎn)品的相關(guān)概念進行闡述。先是從理財產(chǎn)品的涵義入手,然后按照產(chǎn)品收益類型和是否進行結(jié)構(gòu)化分級對銀行理財產(chǎn)品的類型進行了劃分,同時論述了信托型理財產(chǎn)品這一市場主流產(chǎn)品。在此基礎(chǔ)上,對國內(nèi)商業(yè)銀行理財產(chǎn)品業(yè)務(wù)開展的現(xiàn)狀進行系統(tǒng)分析。 第三章是就我國商業(yè)銀行理財產(chǎn)品的發(fā)展歷程進行回顧,并在此基礎(chǔ)上對信托型、股票型和票據(jù)型等三種不同類型理財產(chǎn)品的運行機制進行闡述,分析出其運行過程中可能存在的風(fēng)險。 第四章是本文的核心,本章利用馬克維茲模型從監(jiān)管過程、產(chǎn)品設(shè)計、市場運作和投資者角度等不同層面對我國商業(yè)銀行開展理財產(chǎn)品業(yè)務(wù)所面臨的風(fēng)險進行系統(tǒng)分析。 第五章是建立在上述風(fēng)險分析的基礎(chǔ)上,從政策層面、監(jiān)管層面和機構(gòu)層面等三個角度對我國商業(yè)銀行開展理財產(chǎn)品業(yè)務(wù)如何防控風(fēng)險提出改善意見和相關(guān)對策,這也是本章的特色所在。 隨著金融市場的縱深發(fā)展,我國個人理財業(yè)務(wù)擁有巨大的發(fā)展空間,商業(yè)銀行個人理財產(chǎn)品業(yè)務(wù)已經(jīng)成為各大商業(yè)銀行盈利的主要來源。本文通過對銀行理財產(chǎn)品風(fēng)險特征和運行機制的研究,旨在方便國內(nèi)投資者對理財產(chǎn)品進行合理選擇,同時也為促進我國商業(yè)銀行個人理財業(yè)務(wù)的發(fā)展提供理論支撐。
[Abstract]:Since 2010, the effect of government macro-control on the real estate market has become more and more obvious, and the stock investment market continues to be depressed. So that the majority of investors began to focus on the original not too much involvement in the banking financial products market. In response to this situation, domestic commercial banks began to actively engage in the expansion of financial products business. Various types of financial products emerge in endlessly. In the past two years, the number of financial products sold has a "blowout" growth trend. However, due to the commercial banks in China, the business of financial products is not long. There is a lack of systematic research on the theory of banking products, especially the lack of authoritative definition of the operation mechanism of different types of financial products. This leads to great uncertainty about the risks faced by Chinese commercial banks in carrying out financial management business. Many commercial banks in Europe and the United States began to pay attention to the security of financial management product operation mechanism and the quality of basic assets behind financial management business as early as 2008 after the subprime mortgage crisis in the United States. While pursuing the rapid development of financial management products, Chinese commercial banks should pay more attention to the security and innovation of financial management products. In particular, it is necessary to give a systematic study on how to effectively reduce the risks borne by investors while improving the stability of returns, which is particularly critical for the realization of financial products business of commercial banks in China from the start to maturity. This paper mainly includes the following aspects: The first chapter is mainly about the background of this paper and the significance of the topic. On the basis of the analysis of the current research situation at home and abroad, this paper summarizes the research ideas and research value. The second chapter is the commercial bank financial products related to the concept, first from the meaning of financial products. Then according to the product income type and whether to carry on the structured classification to the bank financial management product type has carried on the division, has discussed the trust type financial management product at the same time this market mainstream product. On this basis. This paper systematically analyzes the present situation of domestic commercial banks' financial products business. The third chapter is a review of the development of financial products of commercial banks in China, and on the basis of this, the operation mechanism of three different types of financial products, such as trust type, stock type and bill type, is expounded. The possible risks in the process of operation are analyzed. Chapter 4th is the core of this paper, this chapter uses the Markowitz model from the regulatory process, product design. This paper systematically analyzes the risks faced by Chinese commercial banks in carrying out financial products business from different aspects, such as market operation and investor's perspective. Chapter 5th is based on the above risk analysis, from the policy level. From the aspects of supervision and organization, this paper puts forward some suggestions and countermeasures on how to prevent and control the risks of the financial products business of commercial banks in China, which is also the characteristic of this chapter. With the deep development of financial market, personal finance business in China has a huge development space. Personal financial product business of commercial banks has become the main source of profits of commercial banks. This paper studies the risk characteristics and operational mechanism of banking financial products. The purpose is to facilitate domestic investors to make reasonable choice of financial products and to provide theoretical support for the development of personal finance business of commercial banks in China.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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