【摘要】：近年來,投資者越來越注重資產(chǎn)的保值增值,并開始關注銀行理財產(chǎn)品,主要原因是我國經(jīng)濟態(tài)勢和個人可支配收入的不斷提高,以及居民理財意識的覺醒。為了迎合市場需求,我國商業(yè)銀行不斷發(fā)行理財產(chǎn)品,使得理財產(chǎn)品的發(fā)行數(shù)量和發(fā)行規(guī)模呈現(xiàn)出極大地增長。商業(yè)銀行理財業(yè)務,在提高銀行業(yè)績,增加銀行收入的同時,憑借其融資速度快和靈活性高的特點,已經(jīng)成為金融市場上不可忽視的金融工具。J銀行理財業(yè)務2007年開始起步,發(fā)展到現(xiàn)在,從2014年開始,由于J銀行開始大力推動理財業(yè)務,理財業(yè)務得到高速發(fā)展。但是,事物都是有雙面性的。在J銀行享受理財業(yè)務發(fā)展帶來的有利之處時,也不能忽視理財產(chǎn)品相伴而來的風險性。J銀行理財市場正處于快速增長期,理財風險控制手段和市場管理技術與理財規(guī)模的不匹配給J銀行帶來了風險問題。因此,根據(jù)J銀行當前理財業(yè)務發(fā)展情況,重點研究J銀行在理財產(chǎn)品設計過程中存在的風險,并對風險提出一些防護建議,這具有一定的現(xiàn)實意義。本文主要研究了J銀行理財產(chǎn)品設計的過程和運作模式的風險情況,并探討了J銀行未來理財產(chǎn)品的發(fā)展走向和實際意義。首先,本文將介紹商業(yè)銀行理財產(chǎn)品的發(fā)展情況,強調在銀監(jiān)會監(jiān)督下理財產(chǎn)品的投資限制情況,并從產(chǎn)品設計方向和投資方向介紹了J銀行理財產(chǎn)品運作模式,其本質在于以銀行理財產(chǎn)品為載體,以理財資金為工具。在分析了J銀行理財業(yè)務的發(fā)展現(xiàn)狀之后,對理財產(chǎn)品運作模式中的風險來源,特征及控制途徑進行了重點討論。最后,本文針對J銀行理財產(chǎn)品設計過程中風險控制手段的不足,探索研究了未來產(chǎn)品經(jīng)營方式的轉變,并提出相應的建議。本文從J銀行理財產(chǎn)品的發(fā)行主體和投資主體兩方面著手研究,從微觀角度研究了理財產(chǎn)品運作模式,并從投資者和銀行兩方面的需求中解釋了J銀行理財產(chǎn)品的發(fā)展趨勢。通過研究,得到以下結論:(1)隨著金融市場的不斷深化,加強運作模式中的風險控制成為必然,風險控制是理財產(chǎn)品運作模式設計過程的重要項目,因此應加快系統(tǒng)建設,精細化中后臺操作,減小人為操作風險。(2)國內金融市場因素逐步提高,資本投資渠道進一步多元化,資產(chǎn)配置可放寬至全球資產(chǎn)。理財?shù)内厔菔遣粫兊?理財業(yè)務主要是考驗銀行的資產(chǎn)管理能力,培養(yǎng)客戶和人才儲備能力,逐步真正做到財富管理甚至是私人銀行業(yè)務。J銀行理財業(yè)務相比其他銀行理財業(yè)務處于起步階段,必須堅持走先規(guī)范后發(fā)展的道路,在嚴控風險的前提下穩(wěn)健發(fā)展。
[Abstract]:In recent years, investors pay more and more attention to the maintenance and appreciation of assets, and begin to pay attention to the banking financial products, mainly due to the increasing economic situation and personal disposable income, as well as the awakening of residents' awareness of financial management. In order to meet the market demand, Chinese commercial banks continue to issue financial products, which makes the number and scale of financial products increase greatly. Commercial bank financial management business, while improving bank performance and increasing bank income, with its characteristics of fast financing and high flexibility, has become a financial tool that can not be ignored in the financial market. Now, since 2014, as J Bank began to vigorously promote wealth management business, wealth management business has been rapid development. But everything has two sides. While J Bank enjoys the advantages of financial management business development, it cannot ignore the risks associated with financial management products. J bank financial management market is in a period of rapid growth. The mismatch of financial risk control means and market management technology and financial management scale brings risk problems to J Bank. Therefore, according to the development of J Bank's current financial management business, it is of practical significance to study the risks existing in the process of J Bank's financial management product design, and to put forward some suggestions to protect the risks. This paper mainly studies the risk situation of the design process and operation mode of J bank's financial management product, and discusses the development trend and practical significance of J bank's financial management product in the future. First of all, this paper will introduce the development of financial products of commercial banks, emphasize the investment restriction of financial products under the supervision of CBRC, and introduce the operating mode of financial management products of J bank from the direction of product design and the direction of investment. Its essence lies in taking the bank financial management product as the carrier and the financial management fund as the tool. After analyzing the present situation of J bank's financial management business, this paper mainly discusses the risk sources, characteristics and control ways in the operation mode of financial management products. Finally, aiming at the deficiency of risk control means in the process of financial product design of J Bank, this paper probes into the transformation of future product management mode and puts forward corresponding suggestions. This paper starts with the research on the issuing subject and investment subject of J bank financial products, studies the operating mode of financial management products from the micro point of view, and explains the development trend of J bank financial products from the demand of investors and banks. Through the research, the following conclusions are drawn: (1) with the deepening of the financial market, it is inevitable to strengthen the risk control in the operation mode, and the risk control is an important project in the design process of the operation mode of the financial management product, so the system construction should be accelerated. (2) the domestic financial market factors gradually increase, capital investment channels are further diversified, asset allocation can be relaxed to global assets. The trend of financial management will not change. The main purpose of financial management is to test the banks' ability to manage assets, and to cultivate the ability of customers and talent reserves. Gradually and truly to achieve wealth management or even private banking business. J banking business is in its infancy compared with other banking business, we must adhere to the first standardized and then develop the road, under the premise of strict risk control steady development.
【學位授予單位】：江西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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