武汉地区商业银行人民币理财产品发展状况调研报告

发布时间：2018-01-15 14:02

本文关键词：武汉地区商业银行人民币理财产品发展状况调研报告　出处：《广西大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年全球金融市场发生了显著变化,与此对应,商业银行理财产品的市场也随之应运而生。在继股票、债券、基金等金融资产的投资热之后,商业银行理财产品也随之进入高速发展期,其总量规模在近几年出现了显著增长,在我国的金融资产投资中的比重迅速上升。但是,相对之庞大的消费市场,商业银行对理财产品的研究与开发尚不能完全满足市场的需求,在打造更多满足投资者金融需求的理财产品上,商业银行仍然任重道远。尽管现在关于人民币理财产品的文献与日俱增,但是仅仅针对武汉本地来进行研究探讨的却屈指可数。本文以武汉地区的人民币理财产品为研究对象,采用调查问卷、比较分析相结合的方法,探讨了当前国内理财业务政策与发展特点、武汉地区经济发展情况等,分析了武汉地区人民币理财产品发展的背景、现状及发展战略等,特别运用了SWOT分析法研究了该类理财产品所面临的内部优势与劣势和外部环境的机会与威胁。最后本文对武汉地区商业银行理财产品的创新、规模扩张等提出了一些意见,具有一定的借鉴意义。第一章绪论部分主要总结了一系列参考文献中的作者观点；第二章介绍了武汉地区商业银行理财产品的发展现状,首先通过调查问卷来调查武汉地区商业银行人民币理财产品投资群体的特性,再通过列举一系列数据从武汉地区商业银行理财产品的发行数量、发行主体、不同种类产品所占比重以及收益率特性等方面进行论述,详细介绍武汉地区商业银行人民币理财产品的各种特性；第三章运用SWOT分析法对武汉地区商业银行人民币理财产品的优势、劣势、机遇与威胁进行归纳分析；第四章根据第三章的劣势部分提出点对点的解决方案；最后一章从银行的思想、经营方式、风控能力与监管几方面对武汉地区商业银行人民币理财产品提出较为整体的发展建议。
[Abstract]:In recent years, the global financial market has undergone significant changes, corresponding to this, the commercial bank financial products market has emerged, following the stock, bonds, funds and other financial assets after the investment boom. Commercial bank financial products have also entered a period of rapid development, its total size has increased significantly in recent years, and the proportion of financial assets investment in China is rising rapidly. However, the relatively large consumer market. The research and development of financial products by commercial banks can not fully meet the needs of the market. Commercial banks still have a long way to go in order to create more financial products to meet the financial needs of investors. Although the literature on RMB financial products is increasing day by day, there are only a handful of people who only focus on the local area of Wuhan. This paper takes the RMB financial products in Wuhan as the research object. By means of questionnaire and comparative analysis, this paper probes into the current domestic financial management policy and development characteristics, the economic development of Wuhan, and analyzes the background of the development of RMB financial products in Wuhan. Current situation and development strategy. In particular, the SWOT analysis method is used to study the internal strengths and weaknesses of this kind of financial products and the opportunities and threats of the external environment. Finally, this paper innovates the financial products of commercial banks in Wuhan. The scale expansion and so on proposed some suggestions, has certain reference significance. In the first chapter, the author's viewpoints in a series of references are summarized. The second chapter introduces the development of financial products of commercial banks in Wuhan. Firstly, the characteristics of investment groups of RMB financial products in commercial banks in Wuhan are investigated by questionnaire. Then through enumerating a series of data from Wuhan commercial banks financial products issued quantity, the main issue, different kinds of products account for the proportion and yield characteristics and so on. The characteristics of RMB financial products of commercial banks in Wuhan are introduced in detail. The third chapter analyzes the advantages, disadvantages, opportunities and threats of RMB financial products of commercial banks in Wuhan by using SWOT analysis method. The 4th chapter puts forward the point-to-point solution according to the disadvantage part of the third chapter; In the last chapter, some suggestions on the development of RMB financial products of commercial banks in Wuhan are put forward from the aspects of bank thought, management mode, risk control ability and supervision.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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