本文選題：信貸類理財(cái)產(chǎn)品 + 風(fēng)險(xiǎn)�。� 參考：《中國社會(huì)科學(xué)院研究生院》2014年碩士論文

【摘要】：我國信貸類理財(cái)產(chǎn)品在銀行理財(cái)產(chǎn)品的發(fā)行過程中發(fā)行時(shí)間尚短，其出現(xiàn)不僅滿足了居民日益豐富的投資需求、解決企業(yè)融資難的問題，作為金融創(chuàng)新工具，還為商業(yè)銀行帶來了中間業(yè)務(wù)收入、促使信托業(yè)成為我國金融業(yè)管理資產(chǎn)規(guī)模第二大的行業(yè)。因此信貸類理財(cái)產(chǎn)品在近幾年頗受各界追捧。 信貸類理財(cái)產(chǎn)品是銀行通過發(fā)行理財(cái)產(chǎn)品，將募集到的資金委托給信托公司，信托公司成立單一資金信托計(jì)劃，購買信貸資產(chǎn)或?yàn)榘l(fā)行銀行指定的企業(yè)融資。在這些環(huán)節(jié)中，涉及銀行、信托公司、投資者、融資者等多個(gè)投資主體，形成了錯(cuò)綜復(fù)雜的法律關(guān)系，其蘊(yùn)藏的風(fēng)險(xiǎn)隱忍擔(dān)憂，也一直是監(jiān)管的重點(diǎn)，而僅靠監(jiān)管部門出臺(tái)政策硬性約束，無法從根本上防范信貸類理財(cái)產(chǎn)品風(fēng)險(xiǎn)，針對(duì)信貸類理財(cái)產(chǎn)品的風(fēng)險(xiǎn)特征加以防范才是根本措施。 本文用定性的研究方法，理論結(jié)合實(shí)踐，首先對(duì)信貸類理財(cái)產(chǎn)品的總體情況加以介紹，其次從產(chǎn)品運(yùn)作流程的重點(diǎn)環(huán)節(jié)的角度出發(fā)，分析信貸類理財(cái)產(chǎn)品存在的風(fēng)險(xiǎn)，包括監(jiān)管制度風(fēng)險(xiǎn)、政策風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)等系統(tǒng)性風(fēng)險(xiǎn)、也包括信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)及法律風(fēng)險(xiǎn)等非系統(tǒng)性風(fēng)險(xiǎn)，同時(shí)結(jié)合投資方向不同的四款信貸類理財(cái)產(chǎn)品案例分析其存在的風(fēng)險(xiǎn)，并提出相應(yīng)的解決辦法。我國信貸類理財(cái)產(chǎn)品存在監(jiān)管風(fēng)險(xiǎn)，對(duì)此應(yīng)建立長(zhǎng)效協(xié)助機(jī)制，從產(chǎn)品功能角度監(jiān)管，從而避免監(jiān)管空白和監(jiān)管交叉；存在政策風(fēng)險(xiǎn)，對(duì)此應(yīng)建立健全監(jiān)測(cè)體系，建立自上而下的監(jiān)測(cè)系統(tǒng)，商業(yè)銀行內(nèi)部構(gòu)建風(fēng)險(xiǎn)管理體系，對(duì)融資客戶進(jìn)行篩選；存在市場(chǎng)風(fēng)險(xiǎn)，對(duì)此應(yīng)提高市場(chǎng)透明度，不僅要加強(qiáng)信息披露，還可適當(dāng)引入獨(dú)立的評(píng)級(jí)系統(tǒng)，充分發(fā)揮標(biāo)準(zhǔn)化工具風(fēng)險(xiǎn)轉(zhuǎn)移的作用；科學(xué)設(shè)計(jì)相關(guān)產(chǎn)品及信貸審批流程，防范信用風(fēng)險(xiǎn)；存在操作風(fēng)險(xiǎn)，對(duì)此銷售人員應(yīng)轉(zhuǎn)變銷售意識(shí)，不要誤導(dǎo)投資者，加強(qiáng)投資者教育；存在法律風(fēng)險(xiǎn)，為此要先明確信貸類理財(cái)產(chǎn)品的法律屬性，還應(yīng)完善我國信貸類理財(cái)產(chǎn)品的相關(guān)法律，借鑒外國同類產(chǎn)品風(fēng)險(xiǎn)研究理論及案例。 本文理論結(jié)合實(shí)踐分析信貸類理財(cái)產(chǎn)品存在的風(fēng)險(xiǎn)，，堵不如疏，并且信托產(chǎn)品“剛性兌付”的神話恰恰反映了經(jīng)濟(jì)市場(chǎng)的扭曲，只有各方齊心協(xié)力，才能將信貸類理財(cái)產(chǎn)品的風(fēng)險(xiǎn)化解為無形之中，并為我國金融市場(chǎng)改革奠定基礎(chǔ)。
[Abstract]:The issuing time of credit financial products in the process of issuing banking financial products in China is still short. It not only meets the increasing investment needs of residents, but also solves the problem of financing difficulties of enterprises. It is used as a financial innovation tool. It also brings intermediate business income to commercial banks, which makes trust industry become the second largest industry in financial industry. Therefore, credit financing products in recent years are quite popular from all walks of life. Credit financing product is a kind of financial product that banks entrust to the trust company by issuing financial products. The trust company sets up a single fund trust plan to purchase credit assets or to finance the enterprise designated by the issuing bank. In these links, a number of investors, including banks, trust companies, investors, financiers, and so on, have formed a complex legal relationship. The risks contained therein are also the focus of supervision and control. However, it is impossible to prevent the risk of credit financial products fundamentally by relying on the strict policy constraints issued by the regulatory authorities. It is the fundamental measure to guard against the risk characteristics of credit financial products. In this paper, qualitative research method, theory and practice are used to introduce the overall situation of credit financial products, and then from the point of view of the key links of product operation process, the risks of credit financial products are analyzed. Including systemic risks such as regulatory system risks, policy risks, market risks, and non-systemic risks such as credit risk, operational risk and legal risk. At the same time, the paper analyzes the risk of four kinds of credit financing products with different investment direction, and puts forward the corresponding solutions. There are regulatory risks in credit financing products in our country, so we should establish a long-term assistance mechanism to supervise from the point of view of product function so as to avoid regulatory gaps and regulatory intersections, and establish a sound monitoring system for these risks. The establishment of top-down monitoring system, the establishment of a risk management system within commercial banks, the screening of financing customers, the existence of market risks, the need to improve market transparency, not only to strengthen information disclosure, The independent rating system can also be introduced to give full play to the role of risk transfer of standardized tools; scientific design of related products and credit approval procedures to guard against credit risks; operational risks, to which sales personnel should change their sales awareness, Do not mislead investors, strengthen investor education, there are legal risks, we should first clarify the legal attributes of credit financial products, but also improve the relevant laws of credit financial products in our country. Draw lessons from foreign similar product risk research theory and case. Combining theory with practice, this paper analyzes the risks of credit financial products, and the myth of "rigid payment" of trust products reflects the distortion of economic market. Only then can the risk of credit financial products be resolved into the invisible, and lay the foundation for the reform of our financial market.
【學(xué)位授予單位】：中國社會(huì)科學(xué)院研究生院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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