【摘要】：隨著商業(yè)銀行數(shù)量的不斷增加以及我國(guó)利率市場(chǎng)化進(jìn)程的不斷推進(jìn),我國(guó)商業(yè)銀行急需通過(guò)業(yè)務(wù)轉(zhuǎn)型來(lái)提高核心競(jìng)爭(zhēng)力。隨著居民可支配收入的增長(zhǎng)以及投資理念的轉(zhuǎn)變,居民對(duì)商業(yè)銀行理財(cái)產(chǎn)品的需求急劇增加。銀行理財(cái)產(chǎn)品在未來(lái)具有廣闊的發(fā)展空間。近年來(lái),在個(gè)人理財(cái)業(yè)務(wù)開(kāi)展上,我國(guó)商業(yè)銀行做出了不懈的探索與研究,理財(cái)產(chǎn)品的規(guī)模也在不斷擴(kuò)張。但在發(fā)展的同時(shí),我們應(yīng)該看到自己的不足和出現(xiàn)的問(wèn)題�，F(xiàn)今,常會(huì)聽(tīng)到某銀行理財(cái)產(chǎn)品收益難以兌現(xiàn)的報(bào)道,收益不能兌付與銀行理財(cái)產(chǎn)品的收益率有極大關(guān)系,因此,為了合理制定收益率和設(shè)計(jì)理財(cái)產(chǎn)品,對(duì)我國(guó)商業(yè)銀行個(gè)人理財(cái)產(chǎn)品收益率影響因素的研究是非常必要的。本篇論文主要運(yùn)用了理論及實(shí)證相結(jié)合的分析方法,對(duì)我國(guó)理財(cái)產(chǎn)品收益率的影響因素進(jìn)行了研究。首先是對(duì)商業(yè)銀行理財(cái)產(chǎn)品的定義、類別、發(fā)展歷程以及現(xiàn)狀做了簡(jiǎn)要的介紹并且回顧理財(cái)產(chǎn)品收益率的相關(guān)理論。其次是從宏觀經(jīng)濟(jì)和產(chǎn)品設(shè)計(jì)兩個(gè)層面總結(jié)影響商業(yè)銀行理財(cái)產(chǎn)品收益率的因素并理論分析其產(chǎn)生影響的原理。宏觀因素包括利率、通貨膨脹率、經(jīng)濟(jì)發(fā)展水平、證券市場(chǎng)發(fā)展以及貨幣供應(yīng)量。產(chǎn)品設(shè)計(jì)因素包括期限、發(fā)行銀行的信用級(jí)別以及基礎(chǔ)資產(chǎn)。再次是對(duì)我國(guó)商業(yè)銀行理財(cái)產(chǎn)品收益率影響因素的實(shí)證分析。本文使用時(shí)間序列回歸模型,探討理財(cái)產(chǎn)品收益率與宏觀經(jīng)濟(jì)因素的關(guān)系,發(fā)現(xiàn)對(duì)理財(cái)產(chǎn)品收益率影響最為顯著的因素是利率,最不顯著的是工業(yè)增加值。最后站在商業(yè)銀行的角度詳細(xì)的給出促進(jìn)我國(guó)商業(yè)銀行理財(cái)產(chǎn)品收益率合理化的具體對(duì)策和建議。這些建議包括:建立銀行理財(cái)平臺(tái);加強(qiáng)對(duì)經(jīng)濟(jì)形勢(shì)的預(yù)判;重視基礎(chǔ)資產(chǎn)收益;淡化期限因素的影響;合理配置投資資產(chǎn)。
[Abstract]:With the increasing of the number of commercial banks and the promotion of interest rate marketization in our country, it is urgent for our commercial banks to improve their core competitiveness through business transformation. With the increase of disposable income and the change of investment concept, the demand for financial products of commercial banks increases rapidly. Banking financial products in the future has a broad space for development. In recent years, commercial banks of our country have made unremitting exploration and research on the development of personal finance business, and the scale of financial products is also expanding. But at the same time, we should see our own shortcomings and problems. Nowadays, it is often reported that the return of a bank's wealth management product is difficult to realize. The non-payment of the income is closely related to the rate of return of the bank's wealth management product. Therefore, in order to reasonably formulate the rate of return and design the financial product, It is necessary to study the factors influencing the return rate of personal financial products of commercial banks in China. This paper mainly uses the theory and the empirical analysis method to study the influencing factors of the financial product return rate in our country. First of all, the definition, category, development process and current situation of the financial products of commercial banks are briefly introduced and the relevant theories of the financial products yield are reviewed. Secondly, it summarizes the factors that affect the financial product yield of commercial banks from two aspects of macro economy and product design, and analyzes the principle of its influence theoretically. Macro factors include interest rate, inflation rate, economic development level, stock market development and money supply. Product design factors include maturity, credit rating of issuing banks and underlying assets. The third is the empirical analysis of the factors affecting the financial product return of commercial banks in China. Using time series regression model, this paper discusses the relationship between financial product yield and macroeconomic factors. It is found that interest rate is the most significant factor, and industrial added value is the least significant one. Finally, from the point of view of commercial banks, the paper gives the concrete countermeasures and suggestions to promote the rationalization of the profit rate of financial products of commercial banks in China. These suggestions include: establishing bank financial management platform; strengthening prejudgment of economic situation; paying attention to income from basic assets; downplaying the influence of term factors; and allocating investment assets rationally.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

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