中国商业银行个人理财业务信息不对称风险及防范研究
发布时间：2018-10-08 14:44
【摘要】：随着我国经济的快速发展,居民可支配收入也呈上升势头。在2012年我国城镇居民家庭人均可支配收入达到了36469元,2012年底城乡居民储蓄存款余额也突破了40万亿元。居民手中可支配财富不断增加,如何能够做到财富的保值增值是大家都在关注的问题,不断扩大理财需求为我国商业银行的个人理财产品发展带来了巨大的动力,但风险因素也随之增加。 本文探讨了通过对商业银行个人理财业务风险,特别是由于信息不对称问题造成的风险及其防范。银行理财业务中主要有银行和投资者两个主体,在信息量和信息质量方面银行出于相对优势的地位,而投资者则处在相对劣势的地位。如何针对这一问题进行风险监管是提高整个银行业的风险管理水平的重要组成部分,加强对理财产品信息披露的监管,是保证商业银行理财产品市场健康、有序、规范发展的基础,对促进我国商业银行理财产品在规范中快速发展具有重大的现实意义。 全面正确的认识银行个人理财业务中存在的信息不对称问题是确保其健康发展的前提。本文正是出于这样的目的,对银行个人理财业务内外部的信息不对称问题分别进行了深入的剖析,分析其的现状,并通过对于我国当前监管的现状研究,结合发达地区在理财信息披露方面的经验,从实际出发,对完善我国商业银行个人理财业务提出了建设性的意见。
[Abstract]:With the rapid development of our economy, the disposable income of residents is also rising. The per capita disposable income of urban households reached 36469 yuan in 2012 and the balance of savings deposits of urban and rural residents exceeded 40 trillion yuan at the end of 2012. With the increasing of disposable wealth in the hands of residents, how to maintain and increase the value of wealth is a problem that everyone is concerned about. Expanding the demand for financial management has brought great impetus to the development of personal financial products of commercial banks in our country. But risk factors also increased. This paper discusses the risks of personal finance business of commercial banks, especially the risks caused by asymmetric information. There are two main bodies in banking financing business: bank and investor. In terms of information quantity and information quality, the bank is in the position of relative advantage, while the investor is in the position of relative inferiority. How to carry out risk supervision is an important part of improving the risk management level of the whole banking industry. To strengthen the supervision of financial products information disclosure is to ensure the healthy and orderly market of financial products of commercial banks. The basis of normative development is of great practical significance to promote the rapid development of financial products of commercial banks in China. It is a prerequisite to ensure the healthy development of banks to understand the information asymmetry problem in personal finance business. For this purpose, this paper makes a deep analysis of the information asymmetry inside and outside the bank personal finance business, analyzes its current situation, and studies the current situation of supervision in our country. Based on the experience of financial information disclosure in developed regions, this paper puts forward some constructive suggestions on how to perfect the personal financial management business of commercial banks in China.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
本文编号：2257154
[Abstract]:With the rapid development of our economy, the disposable income of residents is also rising. The per capita disposable income of urban households reached 36469 yuan in 2012 and the balance of savings deposits of urban and rural residents exceeded 40 trillion yuan at the end of 2012. With the increasing of disposable wealth in the hands of residents, how to maintain and increase the value of wealth is a problem that everyone is concerned about. Expanding the demand for financial management has brought great impetus to the development of personal financial products of commercial banks in our country. But risk factors also increased. This paper discusses the risks of personal finance business of commercial banks, especially the risks caused by asymmetric information. There are two main bodies in banking financing business: bank and investor. In terms of information quantity and information quality, the bank is in the position of relative advantage, while the investor is in the position of relative inferiority. How to carry out risk supervision is an important part of improving the risk management level of the whole banking industry. To strengthen the supervision of financial products information disclosure is to ensure the healthy and orderly market of financial products of commercial banks. The basis of normative development is of great practical significance to promote the rapid development of financial products of commercial banks in China. It is a prerequisite to ensure the healthy development of banks to understand the information asymmetry problem in personal finance business. For this purpose, this paper makes a deep analysis of the information asymmetry inside and outside the bank personal finance business, analyzes its current situation, and studies the current situation of supervision in our country. Based on the experience of financial information disclosure in developed regions, this paper puts forward some constructive suggestions on how to perfect the personal financial management business of commercial banks in China.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
【引证文献】
相关博士学位论文 前1条
1 蓝文永;基于投资者保护的信息披露机制研究[D];西南财经大学;2009年
，本文编号：2257154
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