【摘要】：儲(chǔ)蓄存款是銀行獲取資金的重要渠道,是銀行開展其他業(yè)務(wù)的基礎(chǔ)和前提。我國(guó)居民儲(chǔ)蓄率一直處于較高的水平,但近些年來(lái),銀行由于受到脫媒趨勢(shì)的影響,單憑銀行儲(chǔ)蓄存款已不能保留客戶,因此銀行必須通過(guò)其他來(lái)方法來(lái)改變這種局面,而理財(cái)產(chǎn)品的出現(xiàn)在吸收客戶資金的同時(shí)也豐富了銀行的功能。從銀行目前發(fā)展情況來(lái)看,雖然銀行理財(cái)產(chǎn)品發(fā)展時(shí)間較短,但發(fā)展速度非常快。在銀行零售業(yè)務(wù)的實(shí)際操作中,如何看待并處理理財(cái)和儲(chǔ)蓄之間的關(guān)系上存在一定的分歧。這種分歧不僅關(guān)系到理財(cái)產(chǎn)品和儲(chǔ)蓄存款業(yè)務(wù)的發(fā)展,而且還關(guān)系到銀行零售業(yè)業(yè)務(wù)的轉(zhuǎn)型發(fā)展。因此,研究銀行理財(cái)產(chǎn)品和居民儲(chǔ)蓄關(guān)系顯得十分重要。銀行理財(cái)產(chǎn)品的發(fā)行會(huì)對(duì)儲(chǔ)蓄存款有正的影響?還是負(fù)的影響?還是沒(méi)有影響?這些都是本篇需要研究探討的問(wèn)題。首先,本文在已有的文獻(xiàn)研究基礎(chǔ)上,用搜集到的具體年度數(shù)據(jù)對(duì)我國(guó)銀行理財(cái)產(chǎn)品和儲(chǔ)蓄存款的發(fā)展現(xiàn)狀和特點(diǎn)進(jìn)行分析。其次,根據(jù)具體數(shù)據(jù)構(gòu)建VAR模型來(lái)分析銀行理財(cái)產(chǎn)品對(duì)居民儲(chǔ)蓄存款余額的變動(dòng)產(chǎn)生的影響。根據(jù)以上估計(jì)結(jié)果分析,我們得出銀行理財(cái)產(chǎn)品對(duì)居民儲(chǔ)蓄存款確實(shí)存在一定的影響,而且這種影響比較復(fù)雜:短期來(lái)看,銀行理財(cái)產(chǎn)品的發(fā)行對(duì)居民儲(chǔ)蓄存款產(chǎn)生了一定負(fù)的影響,原因可能是人們將銀行原有的存款資金一部分用于購(gòu)買了理財(cái)產(chǎn)品,從而導(dǎo)致銀行儲(chǔ)蓄存款有所下降;長(zhǎng)期來(lái)看,理財(cái)對(duì)儲(chǔ)蓄存款有以正的影響為主,因?yàn)槔碡?cái)產(chǎn)品的發(fā)行,增加銀行功能的同時(shí)也擴(kuò)寬了居民的投資渠道,而且銀行信譽(yù)相對(duì)于其他投資渠道而言信譽(yù)更高,人們更多的傾向是把錢放入銀行。之后,本文又以某一具體Z銀行為例來(lái)進(jìn)行分析研究。最后,根據(jù)分析結(jié)果得出銀行理財(cái)產(chǎn)品在儲(chǔ)蓄存款發(fā)展和銀行整體發(fā)展中都具有重要作用,因此本文最后一章針對(duì)銀行理財(cái)產(chǎn)品市場(chǎng)的健康發(fā)展提出了相關(guān)的政策建議。
[Abstract]:Savings deposit is an important channel for banks to obtain funds, and is the basis and premise for banks to carry out other business. The savings rate of residents in China has always been at a relatively high level, but in recent years, because banks have been affected by the trend of disintermediation, bank deposits alone cannot retain customers, so banks must adopt other methods to change this situation. The emergence of financial products in the absorption of customer funds, but also enriched the functions of banks. From the bank's current development, although the bank financial products development time is short, but the speed of development is very fast. In the actual operation of bank retail business, there are some differences on how to deal with the relationship between financial management and savings. This divergence relates not only to the development of wealth management products and savings deposits, but also to the transformation and development of banking retail business. Therefore, it is very important to study the relationship between bank financial products and resident savings. Will the issuance of banking products have a positive impact on savings deposits? Or a negative effect? Still no impact? These are the problems that need to be studied and explored in this paper. First of all, based on the existing literature, this paper analyzes the development status and characteristics of banking financial products and savings deposits in China with the specific annual data collected. Secondly, the VAR model is constructed to analyze the influence of bank financial products on the change of savings balance. Based on the analysis of the above estimates, we conclude that the bank financial products do have a certain impact on the residents' savings deposits, and this effect is quite complex: in the short run, The issuance of bank wealth management products has had a negative impact on residents' savings deposits, possibly because people have used part of the bank's original deposit funds to buy financial products, which has led to a decline in bank savings deposits; in the long run, Financial management has a positive impact on savings deposits, because the issuance of financial management products not only increases the function of banks, but also broadens the investment channels of residents. Moreover, the credibility of banks is higher than that of other investment channels. People tend to put money in the bank more often. Then, this paper takes a specific Z bank as an example to carry on the analysis and research. Finally, according to the results of the analysis, it is concluded that banking financial products play an important role in the development of savings deposits and banks as a whole, so the last chapter of this paper puts forward relevant policy recommendations for the healthy development of the banking financial products market.
【學(xué)位授予單位】：河南財(cái)經(jīng)政法大學(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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本文編號(hào)：2212021