本文選題：民生銀行　切入點：公司理財產(chǎn)品　出處：《貴州財經(jīng)大學(xué)》2017年碩士論文

【摘要】：隨著市場經(jīng)濟(jì)體制的逐步確立以及金融改革的不斷深入,商業(yè)銀行市場化經(jīng)營已經(jīng)成為不爭的事實,商業(yè)銀行在完善傳統(tǒng)金融服務(wù)的同時,為獲得更多的利潤收益,提升商業(yè)銀行競爭力,就要大力的開辦中間業(yè)務(wù),其中最為主要的中間業(yè)務(wù)就是銀行理財,隨著金融市場競爭的日益加劇,作為可以增加銀行中間業(yè)務(wù)收入的理財業(yè)務(wù)越來越被各家銀行所重視。而且,企業(yè)健康、可持續(xù)地進(jìn)行銀行理財產(chǎn)品的投資有利于激發(fā)經(jīng)濟(jì)增長,充分發(fā)揮市場配置資源的基礎(chǔ)性作用。但我國金融市場可開展的理財業(yè)務(wù)還十分有限,投資企業(yè)可投資的產(chǎn)品和渠道也相對狹窄,越來越多的想購買銀行理財產(chǎn)品的企業(yè)積極尋找市場中投資收益率較高的投資品種,原來的固定收益類理財產(chǎn)品已不能滿足市場的需要,這就迫切的需要銀行在理財業(yè)務(wù)產(chǎn)品上的創(chuàng)新,而公司理財投資有一定的風(fēng)險,如何幫助投資人規(guī)避投資風(fēng)險,獲得最大的投資收益已經(jīng)成為當(dāng)前公司投資理財?shù)闹匾n題。本文對民生銀行理財業(yè)務(wù)產(chǎn)品創(chuàng)新進(jìn)行分析,從中發(fā)現(xiàn)其銀行理財產(chǎn)品創(chuàng)新中存在的一些問題,特別是產(chǎn)品創(chuàng)新研發(fā)和設(shè)計能力不足,創(chuàng)新出發(fā)點忽略了創(chuàng)新本質(zhì),產(chǎn)品收益率差強(qiáng)人意,產(chǎn)品風(fēng)險控制水平不高等問題嚴(yán)重制約了民生銀行公司理財業(yè)務(wù)產(chǎn)品的創(chuàng)新與健康發(fā)展。結(jié)合所學(xué)專業(yè)理論知識,在搜集整理銀行公司理財產(chǎn)品創(chuàng)新相關(guān)文獻(xiàn)資料前提下,借鑒已有的研究成果和理論觀點,提出相應(yīng)的解決民生銀行公司理財業(yè)務(wù)產(chǎn)品創(chuàng)新問題的策略,對民生銀行公司理財產(chǎn)品投資組合理論及選擇進(jìn)行分析,構(gòu)建民生銀行公司理財投資組合的VaR的拓展模型,進(jìn)行相應(yīng)的實證研究,最后獲得研究結(jié)果,為民生銀行公司理財投資組合分析提供可靠的理論和實證研究依據(jù),為保護(hù)投資人通過投資組合有效規(guī)避投資風(fēng)險,獲得最大投資收益做出應(yīng)有的貢獻(xiàn)。為民生銀行大力發(fā)展公司理財業(yè)務(wù)產(chǎn)品,提高銀行中間業(yè)務(wù)收益,增強(qiáng)民生銀行的市場競爭力提供幫助,為今后更深層次的分析研究銀行公司業(yè)務(wù)理財產(chǎn)品及公司理財投資組合選擇提供可靠的理論研究依據(jù)。
[Abstract]:With the gradual establishment of the market economy system and the deepening of the financial reform, the market-oriented management of commercial banks has become an indisputable fact.In order to enhance the competitiveness of commercial banks, we must vigorously open intermediary business, among which the most important intermediate business is banking finance. With the increasing competition in the financial market,As a kind of financial management business which can increase the income of intermediary business, banks pay more and more attention to it.Moreover, healthy and sustainable investment of banking financial products is beneficial to stimulate economic growth and give full play to the basic role of market allocation of resources.However, the financial services that can be carried out in our financial market are still very limited, and the investment products and channels of investment enterprises are also relatively narrow. More and more enterprises want to buy banking financial products and actively look for investment varieties with higher investment returns in the market.The original fixed income financial products can no longer meet the needs of the market, which urgently needs the innovation of banks' financial management business products. However, corporate financial investment has certain risks, so how to help investors avoid investment risks,To obtain the largest investment income has become an important issue of the company's investment and financial management.This paper analyzes the product innovation of Minsheng Bank's financial management business, and finds out some problems existing in the innovation of its bank's financial management product, especially the deficiency of product innovation, R & D and design ability, and the innovation starting point neglecting the essence of innovation.Problems such as low product yield and low level of product risk control have seriously restricted the innovation and healthy development of Minsheng Bank's financial management products.On the premise of collecting and collating the relevant literature on financial product innovation of banking companies, we can draw lessons from the existing research results and theoretical viewpoints, combining with the theoretical knowledge we have learned.This paper puts forward the corresponding strategies to solve the product innovation problem of Minsheng Bank's financial management business, analyzes the theory and choice of Minsheng Bank's financial product portfolio, and constructs the VaR expansion model of Minsheng Bank's financial management and investment portfolio.The corresponding empirical research is carried out, and finally the results are obtained, which provide reliable theoretical and empirical research basis for the financial portfolio analysis of Minsheng Bank, and protect investors from effectively avoiding investment risk through portfolio investment.Maximize the return on investment and make due contributions.To provide help for Minsheng Bank to vigorously develop the company's financial management business products, to improve the bank's intermediate business returns, and to enhance the market competitiveness of Minsheng Bank.It provides a reliable theoretical basis for the further analysis and research of the banking company's business financial products and the choice of the company's financial management and investment portfolio in the future.
【學(xué)位授予單位】：貴州財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

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