本文關(guān)鍵詞： 商業(yè)銀行 理財(cái)產(chǎn)品 風(fēng)險(xiǎn)管理　出處：《蘇州大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國經(jīng)濟(jì)的發(fā)展、居民可支配財(cái)富的增加,人們對于手中資金的投資需求便應(yīng)運(yùn)而生。尤其是在通貨膨脹的背景下,人民對于財(cái)富更是有保值增值的需求。自2005年銀監(jiān)會頒布《商業(yè)銀行個人理財(cái)業(yè)務(wù)管理暫行辦法》以來,商業(yè)銀行理財(cái)業(yè)務(wù)迅猛發(fā)展,一方面固然是居民投資理財(cái)需求的“井噴式”的釋放,另一方面也有銀行表內(nèi)資金轉(zhuǎn)表外的推波助瀾。截至2015年底,全國共有426家銀行業(yè)金融機(jī)構(gòu)有存續(xù)理財(cái)產(chǎn)品,合計(jì)60879只,理財(cái)資金余額23.5萬億,而這一余額在2012年還僅有7.1萬億。伴隨理財(cái)產(chǎn)品規(guī)模提升的還有理財(cái)產(chǎn)品的風(fēng)險(xiǎn)。據(jù)Wind資訊數(shù)據(jù)顯示,2012年到期的銀行理財(cái)產(chǎn)品公布到期實(shí)際收益率的1021款產(chǎn)品中有211款產(chǎn)品未實(shí)現(xiàn)預(yù)期收益。西南財(cái)經(jīng)大學(xué)信托與理財(cái)研究所發(fā)布的《部分結(jié)構(gòu)性產(chǎn)品虧損現(xiàn)象依舊投資者需謹(jǐn)慎選擇》研報(bào)顯示,在2013年2974款結(jié)構(gòu)性理財(cái)產(chǎn)品中,有86.17%的產(chǎn)品實(shí)現(xiàn)了最高預(yù)期收益率,有13.6%的產(chǎn)品實(shí)現(xiàn)了最低預(yù)期收益率。然而該研報(bào)表示,這并不能說明結(jié)構(gòu)性產(chǎn)品風(fēng)險(xiǎn)減小,而是部分銀行只公布到期收益較好的產(chǎn)品,對收益表現(xiàn)較差的產(chǎn)品的到期信息則進(jìn)行隱藏,事實(shí)上這樣的行為在業(yè)內(nèi)并不少見。因此,加強(qiáng)我國商業(yè)銀行理財(cái)產(chǎn)品的風(fēng)險(xiǎn)控制和研究,對商業(yè)銀行具有重要意義。本文通過對A銀行理財(cái)產(chǎn)品進(jìn)行研究,分析理財(cái)產(chǎn)品風(fēng)險(xiǎn)的類型和成因,尋求風(fēng)險(xiǎn)控制的管理辦法,從而提升商業(yè)銀行自身風(fēng)險(xiǎn)監(jiān)管體系建設(shè),提高商業(yè)銀行理財(cái)人員的整體業(yè)務(wù)水平,這對于促進(jìn)商業(yè)銀行理財(cái)業(yè)務(wù)的健康發(fā)展有著重要意義。
[Abstract]:With the development of China's economy, increasing household disposable wealth, people will come into being in the hands of capital investment needs. Especially in the context of inflation, more and more people are increasing the value of the demand for wealth. Since 2005, the CBRC promulgated the "commercial bank personal financial business management Interim Measures" since the rapid development of business the banking business, on the one hand is the residential investment demand "blowout" release, on the other hand there are fueling the bank in the form of funds transfer sheet. By the end of 2015, a total of 426 banking financial institutions have continued financial products, total 60879, financial fund balance 23 trillion and 500 billion, and this a balance in 2012 only 7 trillion and 100 billion. With the scale of financial products and increase the risk of financial products. According to Wind information data show that the bank financial products announced 2012 due to expire The actual rate of return of 1021 products there are 211 products did not achieve the expected benefits. "Part of structured products issued by the Southwestern University of Finance and Economics loss phenomenon and financial trust research still need to be cautious investors select > Research Report shows that in 2013, 2974 models of structured financial products, 86.17% products have achieved the highest expected rate of return, 13.6% the product to achieve the minimum expected rate of return. However, the research report said, this does not mean that the risk of structured products is reduced, but some banks only announced maturity yield better products, to return to the poor performance of the product information is hidden, in fact this is not uncommon in the industry. Therefore, strengthen my financial products commercial bank risk control and research, has important significance to commercial banks. Based on the research of A bank financial products, analysis of the risk of financial products category It is of great significance to promote the healthy development of commercial banks' financial management by improving the risk management system and improving the overall business level of financial managers.

【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.2

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 翟立宏;李要深;包明銘;;商業(yè)銀行理財(cái)業(yè)務(wù):年度回顧與展望[J];經(jīng)濟(jì)問題;2008年05期

2 劉素琴;;我國商業(yè)銀行理財(cái)業(yè)務(wù)的現(xiàn)狀與發(fā)展[J];消費(fèi)導(dǎo)刊;2008年18期

3 黃淼;趙靜;;當(dāng)前我國銀行理財(cái)業(yè)務(wù)分析[J];現(xiàn)代商貿(mào)工業(yè);2009年08期

4 蔡雯s，

本文編號：1453701