本文選題：銀行理財(cái)業(yè)務(wù) + 期限錯(cuò)配��； 參考：《上海金融》2017年01期

【摘要】：近幾年銀行理財(cái)業(yè)務(wù)規(guī)�？焖僭鲩L(zhǎng)。本文基于2014年末到2015年末的周度業(yè)務(wù)數(shù)據(jù)和市場(chǎng)數(shù)據(jù),通過實(shí)證分析方法來研究理財(cái)業(yè)務(wù)的盈利模式。實(shí)證結(jié)論表明,銀行理財(cái)業(yè)務(wù)的盈利模式仍然與賺取利差的傳統(tǒng)信貸業(yè)務(wù)相類似,投資管理能力和交易執(zhí)行能力相對(duì)薄弱,風(fēng)險(xiǎn)真實(shí)未轉(zhuǎn)移,不屬于真正代客屬性的資產(chǎn)管理業(yè)務(wù)。最后,本文結(jié)合實(shí)證結(jié)論分析了《商業(yè)銀行理財(cái)業(yè)務(wù)監(jiān)督管理辦法》正式發(fā)文后對(duì)銀行理財(cái)業(yè)務(wù)的影響,并提出相關(guān)政策建議。
[Abstract]:In recent years, the scale of banking business has grown rapidly. Based on the weekly business data and market data from the end of 2014 to the end of 2015, this paper studies the profit model of financial management business through empirical analysis. The empirical results show that the profit model of banking business is still similar to the traditional credit business of earning interest margin, the ability of investment management and transaction execution is relatively weak, and the risk is true and untransferred. Asset management business that does not belong to the real client attribute. Finally, based on the empirical conclusions, this paper analyzes the impact of the formal issuance of the "Supervision and Management measures on the Financial Management of Commercial Banks" on the banking financial management business, and puts forward some relevant policy recommendations.
【作者單位】： 上海社會(huì)科學(xué)院經(jīng)濟(jì)研究所;興業(yè)銀行總行資產(chǎn)管理部;
【分類號(hào)】：F832.2

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本文編號(hào)：1954971