本文選題：個人理財(cái) + 理財(cái)業(yè)務(wù)�。� 參考：《吉林大學(xué)》2013年碩士論文

【摘要】：近年來，隨著居民可支配收入水平的不斷提高，人們已經(jīng)不再把儲蓄作為理財(cái)?shù)奈ㄒ皇侄�，而通貨膨脹水平居高不下更激發(fā)了人們對銀行理財(cái)產(chǎn)品的需求。同時金融市場的快速發(fā)展和金融產(chǎn)品的不斷更新也使得人們的理財(cái)意識不斷深化。 中國銀行DS支行的個人理財(cái)業(yè)務(wù)是指根據(jù)不同層次客戶的資產(chǎn)保值、增值需求，為客戶量身訂做的一系列個人理財(cái)服務(wù)和理財(cái)規(guī)劃，在客戶的生命周期內(nèi)滿足客戶個人資產(chǎn)的安全性、流動性和盈利性的相關(guān)要求。銀行理財(cái)業(yè)務(wù)的主體是理財(cái)產(chǎn)品,按照發(fā)行人可分為：銀行理財(cái)產(chǎn)品、基金產(chǎn)品、保險理財(cái)產(chǎn)品、券商理財(cái)產(chǎn)品和信托理財(cái)產(chǎn)品。根據(jù)個人理財(cái)業(yè)務(wù)自身的業(yè)務(wù)特點(diǎn)，從銀行的角度可以將中國銀行DS支行個人理財(cái)業(yè)務(wù)風(fēng)險劃分為責(zé)任風(fēng)險和信譽(yù)風(fēng)險。 責(zé)任風(fēng)險是指針對中國銀行DS支行個人理財(cái)業(yè)務(wù)的實(shí)際情況，在產(chǎn)品銷售及簽約過程中可能給銀行帶來的損失。具體的責(zé)任風(fēng)險主要包括：信息傳遞風(fēng)險、客戶適合度風(fēng)險、銀行理財(cái)人員的操作風(fēng)險。信譽(yù)風(fēng)險是指理財(cái)產(chǎn)品設(shè)計(jì)和理財(cái)資金運(yùn)作中所面臨的風(fēng)險。雖然銀行已在合約中明確指出由此產(chǎn)生的風(fēng)險由投資者自行承擔(dān)，，銀行因此會免責(zé)，但在目前情況下一旦理財(cái)產(chǎn)品出現(xiàn)較大的虧損會嚴(yán)重影響銀行的信譽(yù)，所以銀行在很大程度上承擔(dān)了這部分風(fēng)險。根據(jù)具體業(yè)務(wù)類型將信譽(yù)風(fēng)險劃分為銀信理財(cái)合作業(yè)務(wù)相關(guān)風(fēng)險、理財(cái)資金投資于地方政府融資平臺的風(fēng)險、理財(cái)資金用于權(quán)益類投資的風(fēng)險、理財(cái)資金用于房地產(chǎn)投資的風(fēng)險、銀行代銷業(yè)務(wù)的風(fēng)險。 中國銀行DS支行的理財(cái)業(yè)務(wù)是財(cái)富管理業(yè)務(wù)中風(fēng)險點(diǎn)較為集中的環(huán)節(jié)之一。理財(cái)產(chǎn)品相關(guān)風(fēng)險不僅直接關(guān)系到客戶與銀行的利益損失，也受到監(jiān)管部門和媒體的高度關(guān)注。隨著近年來我行理財(cái)產(chǎn)品的迅猛發(fā)展，中國銀行DS支行應(yīng)根據(jù)發(fā)展戰(zhàn)略、風(fēng)險管理要求和業(yè)務(wù)特點(diǎn)，建立健全財(cái)富管理業(yè)務(wù)風(fēng)險管理體系和內(nèi)部控制制度，落實(shí)內(nèi)部監(jiān)督和獨(dú)立審核措施，審慎盡責(zé)的開展個人理財(cái)業(yè)務(wù)。
[Abstract]:In recent years, with the continuous improvement of disposable income, people no longer take savings as the only means of financial management, and the high level of inflation has aroused the demand for banking products. At the same time, the rapid development of financial markets and the continuous updating of financial products also make people's financial awareness deepen. The personal finance business of the DS branch of the Bank of China refers to a series of personal financial services and financial planning tailored for customers according to the value preservation and value-added needs of customers at different levels. Meet the security, liquidity, and profitability requirements of individual assets within the customer's life cycle. The main body of banking financial management business is financial products, according to the issuer can be divided into: bank financial products, fund products, insurance financial products, securities financial products and trust financial products. According to the business characteristics of personal finance business, the risk of personal finance business of DS branch of Bank of China can be divided into responsibility risk and credit risk from the angle of bank. Liability risk refers to the actual situation of personal finance business of DS branch of Bank of China, which may bring losses to the bank in the process of product sale and contract. The specific liability risk mainly includes: information transmission risk, customer suitability risk, bank financial management personnel operation risk. Credit risk refers to the risks faced in the design of financial products and the operation of financial funds. Although banks have made it clear in their contracts that the risks arising therefrom are to be borne by the investors themselves, the banks will therefore be exempted from liability. However, under the present circumstances, a substantial loss of wealth management products will seriously affect the credibility of the banks. So the banks took on this part of the risk to a large extent. According to the specific business types, the credit risk is divided into the risks related to the banking and credit management cooperation business, the risk of the investment of the financial funds in the local government financing platform, and the risk of the financial funds being used for equity investment. Financial management funds used in real estate investment risk, the risk of bank sales business. The banking business of DS branch of Bank of China is one of the most concentrated risk points in wealth management business. The risks related to financial products are not only directly related to the interests of customers and banks, but also highly concerned by regulators and the media. With the rapid development of our bank's financial products in recent years, the DS branch of Bank of China should establish and improve the risk management system and internal control system of wealth management business according to the development strategy, risk management requirements and business characteristics. Implementation of internal oversight and independent audit measures, prudent and due diligence to carry out personal finance business.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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