兴业银行长沙分行理财产品风险管理研究

发布时间：2018-06-13 05:18

本文选题：理财产品 + 风险管理　；参考：《中南大学》2013年硕士论文

【摘要】：摘要：近年来,国内各银行的理财业务呈现出如火如荼的发展景象,银行均在积极地向市场推出各色的理财产品。另一方面,人们对理财产品的需求越来越旺盛,迫切希望所拥有的财富能够合理地保值和增值,即商业银行理财产品具有巨大的市场潜力。然而,商业银行的理财业务风险点越来越多,风险不断加大。因此,如何更好地分析商业银行经营理财产品的过程中出现的问题,并探寻到规避这些问题的具体方法和规范风险管理的详细对策就成为一个研究热点。本文在吸取前人研究成果的基础之上,以兴业银行长沙分行为研究对象,综合运用文献分析方法、理论分析方法、案例分析方法、问卷调查法等研究方法,全面分析理财产品风险管理的相关内容。首先,介绍兴业银行长沙分行的风险管理现状,从而得出该分行在理财风险管理过程中所面临的一些突出问题。其次,以某一类型的理财产品为例,通过建立评估指标体系,对兴业银行长沙分行理财风险进行综合评估,认为：内部风险因素对整体风险的影响更大一些；内部风险因素中的内部制度风险和流动性风险对风险的总体情况影响更明显；外部风险因素中的汇率风险和通货膨胀风险对风险的总体情况影响更显著。然后,系统地分析法律风险、市场风险、操作风险、流动风险的产生原因。最后,针对此四类风险,分别提出兴业银行长沙分行风险管理的可行性对策,从而希望能够确保将理财风险保持在可以有效控制的范围之内。
[Abstract]:Absrtact: in recent years, the financial management business of domestic banks has been developing in full swing, and banks are actively promoting various kinds of financial management products to the market. On the other hand, people's demand for financial products is more and more vigorous, and they urgently hope that the wealth they possess can maintain and increase their value reasonably, that is, commercial banks' wealth management products have huge market potential. However, the commercial bank financial management business risk point more and more, the risk unceasingly increases. Therefore, how to better analyze the problems in the process of commercial banks operating financial products, and explore the specific methods to avoid these problems and standardize the detailed measures of risk management has become a research hotspot. On the basis of the previous research results, this paper takes Changsha Branch of Industrial Bank as the research object, synthetically applies the literature analysis method, the theory analysis method, the case analysis method, the questionnaire survey method and so on. Comprehensive analysis of financial product risk management related content. Firstly, the paper introduces the current situation of risk management of Societe Generale Bank Changsha Branch, and obtains some outstanding problems in the process of financial risk management. Secondly, take a certain type of financial management products as an example, through the establishment of an evaluation index system, the comprehensive evaluation of financial risk of Industrial Bank Changsha Branch, that: internal risk factors have greater impact on the overall risk; The internal institutional risk and liquidity risk of internal risk factors have more obvious influence on the overall situation of risk, while the exchange rate risk and inflation risk of external risk factor have more significant influence on the overall situation of risk. Then, the causes of legal risk, market risk, operational risk and liquidity risk are systematically analyzed. Finally, aiming at these four kinds of risks, the paper puts forward the feasible countermeasures of risk management in Changsha Branch of Industrial Bank of China, hoping to ensure that the financial risk can be kept within the scope of effective control.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】