我国商业银行个人理财产品管理的优化研究

发布时间：2017-12-30 21:07

本文关键词：我国商业银行个人理财产品管理的优化研究　出处：《首都经济贸易大学》2013年硕士论文　论文类型：学位论文

【摘要】：2004年以来,随着我国商业银行个人理财产品及理财业务的飞速发展,个人理财产品管理取得了非常大的成绩,但也出现了理财产品营销不规范甚至违规销售、理财产品设计与管理失当等一系列值得我们关注和解决的问题。本文以我国商业银行个人理财产品管理为对象,首先回顾了我国商业银行理财产品管理中有关收益、创新、营销、风险等四个方面的研究成果,总结了西方银行理财产品定价、客户关系管理、电子信息技术对产品及客户群体的影响等文献；其次,通过国内外理财产品发展的简要回顾,论述了理财产品按照收益特征、投资工具、承担风险等角度的分类,指出了理财产品的风险性、收益性、多样性等特征；第三,通过对我国银行理财产品管理现状的分析.提炼了其理财产品的投资方向多样、理财产品的适应性与稳定性等优点,剖析了理财产品管理中表现出的巨额亏损、银行从业人员的违规操作、产品设计中创新不足、各银行间差异性不大等问题；第四,通过以美国、日本为代表的西方银行理财产品及管理的简要介绍,概括了其值得我们借鉴的金融创新是商业银行发展的命脉、产品的适应性是商业银行理财经营的重点、顺应监管政策是商业银行经营的保障、合格的理财人才是商业银行理财发展的后盾等启示；第五,以A银行理财产品管理为例,总结了其理财产品管理中的问题,通过对“差序格局”概念及思维的引入,分析了其对银行理财产品管理中收益管理、开发创新、改善营销、降低风险等方面的借鉴意义,提出了关注差序格局、更新管理观念、细分市场需求、分层设计产品、树立平等观念、尊重客户利益、建立赎回通道、研发开放产品、评判自身优势、开发特色产品、增强人员培训、壮大人才队伍、优化监管体系、加强风险防范等完善我国理财产品管理的对策建议。
[Abstract]:Since 2004, with the rapid development of personal financial products and financial services of commercial banks in China, the management of personal financial products has made great achievements. However, there are a series of problems that we should pay attention to and solve, such as non-standard or even illegal marketing of financial products, improper design and management of financial products and so on. In this paper, the personal financial product management of commercial banks in China as an object, the first review of our commercial banks in the management of financial products related to income, innovation, marketing, risk and other four aspects of research results. Summarized the western bank financial products pricing, customer relationship management, electronic information technology on products and customer groups, and other documents; Secondly, through a brief review of the development of financial products at home and abroad, discussed the financial products according to the characteristics of income, investment tools, risk-bearing and other angles, pointed out the risks of financial products, profitability. Diversity and other characteristics; Third, through the analysis of the current situation of the management of banking financial products in China, the paper abstracts the advantages of the investment direction of financial products, adaptability and stability of financial products and so on. This paper analyzes the huge losses in the management of financial products, the illegal operation of the bank employees, the lack of innovation in the product design and the small differences among the banks. 4th, through a brief introduction of the financial products and management of western banks, represented by the United States and Japan, it summarizes that the financial innovation that we should learn from is the lifeblood of the development of commercial banks. The adaptability of products is the focal point of commercial banks' financial management, compliance with the supervision policy is the guarantee of commercial banks' management, and qualified financial talents are the backing of the development of commercial banks' financial management. In 5th, taking the financial product management of bank A as an example, this paper summarizes the problems in the management of financial products, and analyzes the income management in the management of bank financial products through the introduction of the concept and thinking of "differential order pattern". Development and innovation, improve marketing, reduce risk and other aspects of reference significance, put forward to pay attention to the pattern of difference, update the management concept, subdivide the market demand, layered design products, set up the concept of equality, respect the interests of customers. Establish redemption channels, R & D open products, judge their own advantages, develop characteristic products, strengthen personnel training, strengthen the talent team, optimize the regulatory system. Strengthen the risk prevention and other measures to improve the management of financial products in China.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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