商业银行理财产品市场情况及收益率定价研究

发布时间：2018-06-29 01:06

本文选题：商业银行理财产品 + 市场情况定价　；参考：《复旦大学》2013年硕士论文

【摘要】：银行理财产品作为中国新兴的财富管理工具之一,近年来逐渐成为中国资产管理市场上重要的组成部分。当前,我国金融市场发展的深度依然不够,社会融资中通过股票、企业债券、信托贷款等直接融资的比例仍比较有限,投资者进行资产管理的工具选择范围较窄。在这一背景下,银行理财产品的发展对优化我国金融市场结构、促进利率市场化的发展具有多方面的积极影响。本文将对商业银行理财产品进行详细的分析以更清晰的还原剖析这块日益红火却又争议频频的市场。本文着重研究商业银行理财产品的市场情况,收益率定价、产品的运作模式及相应的风险,用详实的数据与图表阐述了市场的现状及将来可能的走势；继而对市场上银行理财产品的定价方式定价原理进行了相关分析,这对于投资者合理地选择投资时机有一定益处；文末对如今存有争议的市场观点如“影子银行”及“庞氏骗局”进行了观点的整理分析,并提出了一些相关的建议。
[Abstract]:As one of the new wealth management tools in China, bank financial products have gradually become an important part of China's asset management market in recent years. At present, the depth of the development of our financial market is still not enough, the proportion of direct financing through stocks, corporate bonds, trust loans and so on in social financing is still relatively limited, and the choice of instruments for investors to manage assets is relatively narrow. Under this background, the development of banking financial products has many positive effects on optimizing the structure of financial market and promoting the development of interest rate marketization. In this paper, commercial bank financial products will be analyzed in detail to more clearly analyze the increasingly popular but controversial market. This paper focuses on the market situation, rate of return pricing, operating mode and corresponding risks of the financial products of commercial banks, and explains the current situation and possible future trend of the market with detailed data and charts. Then it analyzes the pricing principle of banking financial products in the market, which is beneficial to investors to choose the right time to invest. At the end of the paper, some controversial market views such as "shadow banking" and "Ponzi scheme" are analyzed, and some relevant suggestions are put forward.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【共引文献】