我国商业银行个人理财产品市场研究

发布时间：2018-05-08 17:44

本文选题：商业银行 + 理财产品　；参考：《武汉理工大学》2013年硕士论文

【摘要】：随着我国经济的持续发展,国内生产总值不断增加,国民整体收入水平有了很大提升,21世纪中国步入快速发展期以后,城镇居民的人均可支配收入更是稳步增加,财富的日益积累使得人们对资产管理的需求日益强烈,这为我国商业银行个人理财产品市场的发展提供了良好的基础。与此同时,随着国内金融市场的持续发展和金融改革的不断深化,保险、证券、基金、信托等金融机构迅速崛起,银行业中金融脱媒日益明显。面对日渐激烈的同业竞争,银行传统盈利来源也受到挤压,国内商业银行急需寻找新的利润增长点。在这样的形势下,我国各商业银行逐鹿理财产品市场,个人理财业务也成为其重点拓展的领域。银行既可以通过提供优质的个人理财产品和服务满足我国居民的理财需求,同时也有利于其应对激烈的市场竞争和增加利润来源。回顾银行业理财市场发展,我国商业银行个人理财产品市场的萌芽出现在20世纪90年代,经过十多年的探索,目前正处于发展的关键时期,未来还有很大的发展潜力和空间。但是,由于起步较晚,我国市场与发达国家成熟的市场相比还有很大差距,国内商业银行结合自身的发展状况,应多借鉴国外的发展经验,不断提升产品质量,满足居民的理财需求,增强自己的市场竞争力,促进我国银行个人理财产品市场的快速发展。本文主要从以下六个部分对我国商业银行个人理财产品市场进行研究：第一部分为绪论,介绍了本文的研究背景、研究意义、国内外相关文献综述,以及研究内容和研究方法。第二部分主要介绍了与我国商业银行理财产品市场形成和发展相关的基础理论,包括市场供求理论、生命周期理论、资产组合理论和金融创新理论。第三部分从发展历程、形成和发展的原因等方面详细分析了我国商业银行个人理财产品市场的发展状况。第四部分通过计量方法对影响我国商业银行个人理财产品市场发展的因素进行了实证研究。第五部分以美国和日本为代表,对比分析了发达国际银行理财产品市场的发展状况,以作借鉴。第六部分提出对策建议。
[Abstract]:With the sustained development of China's economy, the gross domestic product (GDP) continues to increase, and the overall national income level has been greatly improved. Since China entered the period of rapid development in the 21st century, the per capita disposable income of urban residents has increased steadily. The increasing accumulation of wealth makes the demand for asset management increasingly strong, which provides a good basis for the development of personal financial products market of commercial banks in China. At the same time, with the continuous development of the domestic financial market and the deepening of the financial reform, insurance, securities, funds, trust and other financial institutions have risen rapidly, and financial disintermediation is becoming increasingly obvious in the banking industry. In the face of increasingly fierce interbank competition, the traditional profit sources of banks are also squeezed, and domestic commercial banks urgently need to find new profit growth points. In this situation, the commercial banks of our country go after the market of financial management products, and personal finance business has become its key expansion field. Banks can not only provide high-quality personal financial products and services to meet the financial needs of Chinese residents, but also help them cope with fierce market competition and increase profit sources. Looking back on the development of banking financial management market, the sprout of personal financial products market of commercial banks in our country appeared in the 1990s. After more than ten years of exploration, it is now in the key period of development, and there is still great potential and space for development in the future. However, due to the late start, there is still a big gap between the Chinese market and the mature market in developed countries. Domestic commercial banks should learn more from foreign development experience and continuously improve the quality of their products in combination with their own development situation. To meet the financial needs of residents, to enhance their market competitiveness, to promote the rapid development of personal financial products market. This article mainly carries on the research from the following six parts to our country commercial bank personal finance product market: the first part is the introduction, has introduced the research background, the research significance, the domestic and foreign related literature summary, as well as the research content and the research method. The second part mainly introduces the basic theories related to the formation and development of the financial products market of commercial banks in China, including market supply and demand theory, life cycle theory, portfolio theory and financial innovation theory. The third part analyzes the development of the personal financial products market of commercial banks in detail from the development course, the formation and the development reason and so on. The fourth part makes an empirical study on the factors that affect the development of personal financial products market of commercial banks in China. The fifth part takes the United States and Japan as the representative, contrasts and analyzes the developed international bank financial management product market development condition, in order to use for reference. The sixth part puts forward countermeasures and suggestions.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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