本文選題：資金池 + 理財產(chǎn)品　； 參考：《浙江理工大學》2014年碩士論文

【摘要】：目前，我國商業(yè)銀行資金池理財產(chǎn)品業(yè)務發(fā)展迅速，風險也隨之而來，，風險防控機制的重要性日益突出。本文通過研究現(xiàn)階段我國商業(yè)銀行資金池理財產(chǎn)品風險防控機制，在借鑒國外先進經(jīng)驗的基礎上，對其進行優(yōu)化，達到完善理財產(chǎn)品風險防控機制的目的。 全文共分為六章。第一章為緒論，主要介紹本文的研究背景、研究方法、研究內(nèi)容及本文結(jié)構(gòu)。第二章介紹理財產(chǎn)品風險控制相關理論和國內(nèi)外文獻綜述，主要包括金融不穩(wěn)定理論、委托代理理論、整體風險管理理論以及全面風險管理理論。第三章總結(jié)了美國、歐洲以及亞洲等國理財產(chǎn)品風險控制經(jīng)驗以及對我國的借鑒。第四章分析我國商業(yè)銀行資金池理財產(chǎn)品的風險特征。第五章以我國某商業(yè)銀行C銀行資金池理財產(chǎn)品為例，對該產(chǎn)品的風險防控進行案例分析。在總結(jié)前面各章內(nèi)容的基礎上，第六章從全面風險管理和特定風險管理兩個方面提出優(yōu)化我國商業(yè)銀行資金池理財產(chǎn)品風險防控機制的對策建議。 為了深入分析我國商業(yè)銀行資金池理財產(chǎn)品風險防控，本文采用了定性分析法、比較研究法、定量分析法以及案例分析法等研究方法。 本文的創(chuàng)新之處在于提出建立針對資金池理財產(chǎn)品風險的全方位識別體系。同時，強調(diào)融資項目對理財產(chǎn)品風險的重要影響也是本文的一個創(chuàng)新之處。 本文的研究一方面可以強化投資者對資金池理財產(chǎn)品的風險意識；另一方面，商業(yè)銀行也可以通過對資金池理財產(chǎn)品的深入認識來加強自身的風險防控措施。因此，本文具有十分重要的理論意義和現(xiàn)實意義。
[Abstract]:At present, the business of fund pool financing products of commercial banks in China is developing rapidly, and the risk is also following, the importance of risk prevention and control mechanism is becoming more and more prominent.This paper studies the risk prevention and control mechanism of Chinese commercial banks' funds pool financial products at the present stage, on the basis of drawing lessons from foreign advanced experience, optimizes it to achieve the purpose of perfecting the financial management product risk prevention and control mechanism.The full text is divided into six chapters.The first chapter is the introduction, mainly introduces the research background, research methods, research content and structure of this paper.The second chapter introduces the financial product risk control theory and domestic and foreign literature review, including financial instability theory, principal-agent theory, overall risk management theory and comprehensive risk management theory.The third chapter summarizes the experience of financial product risk control in America, Europe and Asia.The fourth chapter analyzes the risk characteristics of Chinese commercial banks' financial products.The fifth chapter takes a commercial bank C bank fund pool financial management product as an example to analyze the risk prevention and control of this product.On the basis of summarizing the contents of the previous chapters, the sixth chapter puts forward the countermeasures and suggestions to optimize the risk prevention and control mechanism of financial products in the capital pool of Chinese commercial banks from the two aspects of overall risk management and specific risk management.In order to deeply analyze the risk prevention and control of financial products in the capital pool of commercial banks in China, this paper adopts qualitative analysis method, comparative research method, quantitative analysis method and case analysis method.The innovation of this paper lies in the establishment of an all-directional identification system for the risks of the financial products of the fund pool.At the same time, it is an innovation of this paper to emphasize the important influence of financing project on financial product risk.On the one hand, the research of this paper can strengthen the investors' risk awareness of the funds pool financial products; on the other hand, commercial banks can also strengthen their own risk prevention and control measures through the in-depth understanding of the funds pool financial products.Therefore, this paper has very important theoretical and practical significance.
【學位授予單位】：浙江理工大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

【參考文獻】

相關期刊論文 前10條

1 李江鴻;沙金;;銀行個人綜合理財業(yè)務法律問題與風險防控[J];金融論壇;2011年09期

2 孫建坤;李艷麗;;商業(yè)銀行資產(chǎn)池理財產(chǎn)品的風險管理[J];銀行家;2011年10期

3 王艷;;商業(yè)銀行資產(chǎn)池理財產(chǎn)品現(xiàn)狀、風險及發(fā)展方向[J];區(qū)域金融研究;2012年09期

4 史少文;;關于商業(yè)銀行理財業(yè)務發(fā)展趨勢及其風險防控的思考[J];大慶社會科學;2013年04期

5 史春魁;;金融風險管理理論論述[J];和田師范�？茖W校學報;2007年03期

6 姚勇;董利;;中外資銀行資金池業(yè)務管理的差異[J];經(jīng)濟管理;2007年21期

7 王凱寧;崔建國;;商業(yè)銀行理財資產(chǎn)池模式研究[J];金融縱橫;2012年02期

8 劉晶;劉亞;田園;;中國商業(yè)銀行資金池理財產(chǎn)品監(jiān)管研究——以某四大國有商業(yè)銀行為例[J];金融與經(jīng)濟;2013年06期

9 劉晶;劉亞;田園;;中國商業(yè)銀行資金池理財產(chǎn)品監(jiān)管探析[J];現(xiàn)代經(jīng)濟探討;2013年08期

10 鄢青;;商業(yè)銀行資金池理財產(chǎn)品業(yè)務模式與法律探析[J];金融法苑;2013年01期

本文編號：1754198