【摘要】：近些年,隨著改革開放的深化和資本市場的不斷完善,我國經(jīng)濟(jì)取得了舉世矚目的成就,人民的可支配收入水平和財富水平有了大幅度的提高,理財意識也在逐漸覺醒,從過去僅僅依賴于銀行存款轉(zhuǎn)變?yōu)橹鲃訉ふ覟樨敻槐Ｖ翟鲋档那?在此背景下,我國理財行業(yè)開始蓬勃發(fā)展。相對于西方發(fā)達(dá)國家,我國商業(yè)銀行個人理財業(yè)務(wù)雖然起步較晚,但是發(fā)展迅速。然而,個人理財業(yè)務(wù)的迅速膨脹給商業(yè)銀行帶來巨大發(fā)展機(jī)遇和良好經(jīng)營收入的同時,其問題也在逐漸暴漏出來,尤其是近年來出現(xiàn)的一系列的"零收益"和"負(fù)收益"的理財產(chǎn)品,同時2012年華夏銀行理財產(chǎn)品違約案、2017年民生銀行飛單案等重大事件都引起了市場對理財產(chǎn)品自身風(fēng)險的普遍關(guān)注,公眾對銀行理財產(chǎn)品的安全性有了質(zhì)疑,另外由于現(xiàn)有的監(jiān)管體系比較薄弱,個人理財業(yè)務(wù)的商業(yè)屬性又較為復(fù)雜,這已逐漸成為商業(yè)銀行個人理財業(yè)務(wù)發(fā)展的重大隱患。所以加強(qiáng)商業(yè)銀行個人理財業(yè)務(wù)的風(fēng)險控制,對商業(yè)銀行個人理財業(yè)務(wù)又好又快的發(fā)展具有重要的意義。然而,現(xiàn)階段我國商業(yè)銀行個人理財業(yè)務(wù)風(fēng)險控制中卻存在著一些需要解決的問題,具體表現(xiàn)在客戶風(fēng)險評估不到位,信息披露不健全,理財人員行為不規(guī)范,風(fēng)險控制能力弱,高息攬儲仍然存在,代銷理財產(chǎn)品宣傳不實等一些問題,這些問題若不妥善解決,商業(yè)銀行個人理財業(yè)務(wù)仍將處于風(fēng)險暴露之中。在此背景下,研究如何借鑒西方優(yōu)秀經(jīng)驗,提出合理的商業(yè)銀行風(fēng)險控制措施,改善現(xiàn)有的風(fēng)險控制方式,維護(hù)金融安全和投資者權(quán)益,是商業(yè)銀行個人理財業(yè)務(wù)發(fā)展中亟待解決的問題,這也是本文力圖解決的問題。全文一共分為六大部分。第一部分為緒論,主要介紹了本文的選題背景和研究意義、國內(nèi)外研究現(xiàn)狀以及研究思路和內(nèi)容;第二部分介紹了商業(yè)銀行個人理財業(yè)務(wù)的概念、種類和特點,并簡要介紹了我國商業(yè)銀行個人理財業(yè)務(wù)的發(fā)展歷程和現(xiàn)狀;第三部分主要介紹了我國商業(yè)銀行個人理財業(yè)務(wù)的風(fēng)險來源及風(fēng)險控制中存在的問題,包括客戶評估不到位、信息披露不健全、銷售行為不規(guī)范、風(fēng)險控制能力弱、高息攬儲普遍存在、代銷理財產(chǎn)品宣傳不實等問題,并簡要分析了相關(guān)原因;第四部分對發(fā)達(dá)國家和地區(qū)的先進(jìn)經(jīng)驗進(jìn)行了總結(jié),以期對我國商業(yè)銀行提供良好的借鑒;第五部分針對個人理財業(yè)務(wù)風(fēng)險控制存在的問題,從商業(yè)銀行內(nèi)部環(huán)境和外部環(huán)境兩方面提出了相應(yīng)的對策和建議;最后一部分是研究總結(jié)與展望,對全文進(jìn)行了簡要的總結(jié)。
[Abstract]:In recent years, with the deepening of reform and opening up and the continuous improvement of the capital market, China's economy has made remarkable achievements, the level of disposable income and wealth of the people has been greatly improved, and the awareness of financial management has gradually awakened. From only relying on bank deposits in the past to actively seeking ways to maintain and increase the value of wealth, in this context, the financial management industry in China began to flourish. Compared with western developed countries, China's commercial banks' personal finance business started late, but developed rapidly. However, the rapid expansion of personal finance business has brought huge development opportunities and good operating income to commercial banks, at the same time, its problems are also gradually leaking out. In particular, a series of "zero return" and "negative income" financial products have emerged in recent years. At the same time, major events such as the 2012 Huaxia Bank Financial Product default case and the 2017 Minsheng Bank Flying single case have aroused widespread concern in the market about the risks of the financial products themselves, and the public has questioned the safety of the banking financial products. In addition, the existing supervision system is weak, and the business attribute of personal finance business is more complex, which has gradually become a major hidden trouble of the development of personal finance business of commercial banks. Therefore, it is of great significance to strengthen the risk control of personal finance business of commercial banks for the good and fast development of personal finance business of commercial banks. However, at present, there are some problems to be solved in the risk control of personal finance business of commercial banks in China, which are manifested in the following aspects: the customer risk assessment is not in place, the disclosure of information is not perfect, and the behavior of financial personnel is not standardized. Some problems, such as weak risk control ability, high interest rate and untrue publicity of financial products, will still expose the personal financial business of commercial banks if these problems are not properly solved. Under this background, how to draw lessons from the western excellent experience, put forward the reasonable commercial bank risk control measure, improve the existing risk control way, safeguard the financial security and investor's rights and interests, It is an urgent problem in the development of personal finance business of commercial banks, which is also the problem that this paper tries to solve. The full text is divided into six parts altogether. The first part is the introduction, mainly introduces the background and research significance of this paper, domestic and foreign research status, research ideas and content; the second part introduces the commercial bank personal finance business concept, types and characteristics, The third part mainly introduces the risk source and risk control of commercial bank personal finance business in China, including the lack of customer evaluation. The information disclosure is not perfect, the sales behavior is not standardized, the risk control ability is weak, the high interest rate is generally existed, the propaganda of the financing products is not true and so on, and the related reasons are briefly analyzed. The fourth part summarizes the advanced experiences of developed countries and regions in order to provide a good reference for our commercial banks. This paper puts forward the corresponding countermeasures and suggestions from the internal and external environment of the commercial bank. The last part is the summary and prospect of the research and a brief summary of the full text.
【學(xué)位授予單位】：安徽大學(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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