本文關(guān)鍵詞：我國(guó)商業(yè)銀行理財(cái)產(chǎn)品風(fēng)險(xiǎn)控制研究　出處：《遼寧師范大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：隨著我國(guó)國(guó)民經(jīng)濟(jì)持續(xù)、穩(wěn)定的發(fā)展，居民物質(zhì)財(cái)富的增加，生活條件的改善，人們對(duì)于個(gè)人理財(cái)業(yè)務(wù)的需求越來(lái)越強(qiáng)烈。1996年，中信銀行率先設(shè)立“私人理財(cái)中心”，同年，工商銀行上海分行推出多種理財(cái)服務(wù)項(xiàng)目，其中包含理財(cái)咨詢(xún)、外匯買(mǎi)賣(mài)、存單質(zhì)押貸款等業(yè)務(wù)，1998年工商銀行在多個(gè)大中型城市開(kāi)展理財(cái)試點(diǎn)業(yè)務(wù)，讓人們真正開(kāi)始了解和接受銀行理財(cái)產(chǎn)品，商業(yè)銀行的理財(cái)產(chǎn)品以其較低風(fēng)險(xiǎn)、高于儲(chǔ)蓄存款的利率，受到人們的廣泛認(rèn)可。經(jīng)過(guò)多年發(fā)展我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)，已經(jīng)取得一定成績(jī)，但是國(guó)內(nèi)商業(yè)銀行的理財(cái)從業(yè)人員，具備CFP國(guó)際職業(yè)資格認(rèn)證的從業(yè)者寥寥無(wú)幾，不能進(jìn)行深層次理財(cái)服務(wù)，缺乏對(duì)理財(cái)產(chǎn)品風(fēng)險(xiǎn)控制方面的專(zhuān)業(yè)知識(shí)，忽視理財(cái)產(chǎn)品自身存在的風(fēng)險(xiǎn)。2008年，美國(guó)次貸危機(jī)引發(fā)全球金融危機(jī)，各國(guó)股價(jià)大幅下跌，國(guó)內(nèi)商品價(jià)格波動(dòng)嚴(yán)重，部分商業(yè)銀行的理財(cái)產(chǎn)品呈現(xiàn)零收益率的情況，有些產(chǎn)品甚至處于負(fù)收益的狀態(tài)。因此，加強(qiáng)我國(guó)商業(yè)銀行理財(cái)產(chǎn)品的風(fēng)險(xiǎn)控制和研究，對(duì)國(guó)內(nèi)商業(yè)銀行和監(jiān)管部門(mén)具有重要的指導(dǎo)意義。 本文介紹了目前國(guó)內(nèi)商業(yè)銀行理財(cái)產(chǎn)品市場(chǎng)銷(xiāo)售量呈逐年上漲的趨勢(shì)，受到人們的認(rèn)可和追捧，總結(jié)歸納出不同類(lèi)型理財(cái)產(chǎn)品的特點(diǎn)以及產(chǎn)品之間存在的區(qū)別。通過(guò)研究我國(guó)商業(yè)銀行理財(cái)產(chǎn)品的發(fā)展現(xiàn)狀和發(fā)達(dá)國(guó)家商業(yè)銀行理財(cái)業(yè)務(wù)的發(fā)展模式，深刻的認(rèn)識(shí)到我國(guó)商業(yè)銀行與發(fā)達(dá)國(guó)家銀行在理財(cái)業(yè)務(wù)上存在的差距，因此，國(guó)內(nèi)商業(yè)銀行需要加強(qiáng)自身風(fēng)險(xiǎn)監(jiān)管體系的建設(shè)，，提升商業(yè)銀行理財(cái)人員整體業(yè)務(wù)水平，升級(jí)商業(yè)銀行理財(cái)產(chǎn)品業(yè)務(wù)信息系統(tǒng)，同時(shí)還需要健全我國(guó)資本金融機(jī)構(gòu)的監(jiān)管立法體系，提高我國(guó)金融業(yè)監(jiān)管機(jī)構(gòu)之間協(xié)調(diào)合作的積極性，增強(qiáng)對(duì)金融業(yè)投資者的保護(hù)力度。
[Abstract]:With China's sustained and stable development, increasing people's material wealth, the improvement of living conditions, people demand for personal financial services has become more and more strong.1996 years, CITIC Bank pioneered the establishment of private finance center ", the same year, industrial and Commercial Bank of China Shanghai branch launched a variety of financial services, including consulting, foreign exchange the sale, hypothecated loan business, 1998 industrial and commercial bank to carry out financial pilot operations in a number of large and medium-sized city, so people began to understand and accept the bank financial products, commercial bank financial products with lower risk, higher savings rates, widely recognized by the people. After years of development of personal financial business in China commercial banks have already made certain achievements, but the domestic commercial bank financial practitioners, practitioners have scanty CFP international occupation qualification, not Can the deep financial services, lack of professional knowledge of financial products, risk control, ignore financial products own existence risk of.2008 years, the U.S. subprime mortgage crisis triggered the global financial crisis, the share price fell sharply, domestic commodity prices fluctuate seriously, part of commercial bank financial products has zero yield, even some products in a state of negative income. Therefore, to strengthen the financial products in China's commercial bank risk control and research, has the important guiding significance on the domestic commercial banks and regulatory authorities.
This paper introduces the current domestic commercial bank financial products market volume was gradually rising trend, people have recognized and sought after, summed up the difference between the characteristics of different types of financial products and product development model. By studying the development situation of China's commercial banks financial products and financial services of commercial banks in developed countries, profound to recognize the existence of management in the business of China's commercial banks and banks in developed countries the gap, therefore, domestic commercial banks need to strengthen the construction of their own risk supervision system, enhance the financial management of commercial banks overall business level, upgrading of commercial bank financial products business information system, but also need to improve the legislative system of China's capital financial institutions. The enthusiasm of the coordination and cooperation between improving Chinese financial supervision mechanism, strengthen investor protection of the financial industry.

【學(xué)位授予單位】：遼寧師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

【共引文獻(xiàn)】

相關(guān)期刊論文 前1條

1 張俊;;城鎮(zhèn)家庭投資理財(cái)風(fēng)險(xiǎn)及對(duì)策淺析[J];知識(shí)經(jīng)濟(jì);2014年04期

相關(guān)碩士學(xué)位論文 前6條

1 滿(mǎn)亮;X銀行哈爾濱分行個(gè)人理財(cái)業(yè)務(wù)發(fā)展戰(zhàn)略研究[D];黑龍江大學(xué);2013年

2 陳雁;論商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)中金融消費(fèi)者權(quán)益的法律保護(hù)[D];廈門(mén)大學(xué);2014年

3 陳善斌;我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)防范研究[D];吉林大學(xué);2014年

4 趙峰;招商銀行蘭州分行個(gè)人理財(cái)產(chǎn)品營(yíng)銷(xiāo)研究[D];蘭州大學(xué);2014年

5 陳曉嫣;我國(guó)大型商業(yè)銀行發(fā)展個(gè)人理財(cái)規(guī)劃業(yè)務(wù)的研究[D];蘇州大學(xué);2014年

6 張倩;我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展研究[D];四川師范大學(xué);2014年

本文編號(hào)：1360003