国有商业银行个人理财产品创新研究

发布时间：2018-11-17 11:34

【摘要】：当前，创新已经成为各个行业维持生存，促进发展的关键。商业银行作为市场的一单元，也必须通过提高自身的产品创新能力增强其核心竞争力。新产品是推动商业银行发展和利润增长的重要因素。国有商业银行个人理财产品的发展过程体现着银行产品的创新，随着客户对于个人理财产品的强烈需求以及银行个人理财产品创新进程的推进，其产品创新政策环境不完善、监管机制不健全、风险控制水平不高、创新人才较为缺乏等问题日益显现。第一部分：国有商业银行个人理财产品创新概述。通过对个人理财产品创新概念的界定和个人理财产品创新的相关理论分析，提出国有商业银行个人理财产品创新的动因，，并且进一步分析了国内外银行个人理财产品实践及启示，为推动我国国有商业银行个人理财产品创新提供了理论基础。第二部分：国有商业银行个人理财产品创新取得的成就及存在的问题。近些年来，我国商业银行不断开展个人理财产品创新。并且，取得了一些成就，主要表现在：投资币种的创新、投资结构的创新、风险防范的创新和产品收益的创新等方面。但是，尽管商业银行在个人理财产品创新这一方面有所成效。然而，仍存在着国家对银行监管力度不够、金融政策和法规比较欠缺、产品的市场操作能力不足、产品的创新设计能力不强、产品的风险控制水平不高等一系列问题，从而严重影响了商业银行个人理财产品创新的步伐。第三部分：国有商业银行个人理财产品创新存在的问题的成因及解决对策。在这一部分，深入分析了商业银行个人理财产品创新中问题产生的原因。可归结为国家金融政策不完善、金融监管机制不健全、创新管理架构不完善、创新的专业人才缺乏以及产品的风险控制能力落后等几个方面原因。在对商业银行个人理财产品创新中存在的问题和产生问题的原因加以分析之后，针对问题和原因，本文又提出了相应的对策，以解决我国国有商业银行个人理财产品创新中的问题，推进其个人理财产品创新的步伐。
[Abstract]:At present, innovation has become the key to maintaining and promoting the development of all industries. As a unit of the market, commercial banks must also enhance their core competitiveness by raising their own product innovation ability. The new product is an important factor to promote the development of commercial banks and the growth of profits. The development process of the individual financial products of the state-owned commercial banks embodies the innovation of the bank products, with the customers' strong demand for personal wealth management products and the promotion of the innovation process of the individual wealth management products of the banks, the product innovation policy environment is not perfect, the supervision mechanism is not sound, The problems such as the high risk control level and the lack of innovative talents are becoming more and more evident. Part I: Innovation of the Individual Financial Product of the State-owned Commercial Bank In this paper, through the definition of the concept of the innovation of the individual financial products and the relevant theoretical analysis of the innovation of the individual wealth management products, the author puts forward the cause of the innovation of the individual financial products of the state-owned commercial banks, and further analyses the practice of the individual financial products of the banks at home and abroad. In order to promote the innovation of the individual wealth management products of the state-owned commercial banks in China, Foundation. Part two: The achievements and achievements of the innovation of personal wealth management products of state-owned commercial banks The existing problems. In recent years, the commercial banks of our country continue to carry out personal management The innovation of the financial products has made some achievements, mainly in the innovation of the investment currency, the innovation of the investment structure, the innovation of the risk prevention and the product income. Innovation and so on. However, while commercial banks are innovative in individual wealth management products However, there is still a lack of supervision of the bank, the lack of financial policies and regulations, the shortage of the market operation ability of the products, the lack of the product's innovative design ability, the high risk control level of the products, etc. A series of problems that seriously affect the personal wealth management products of commercial banks The third part: the problems of the innovation of the individual financial products of the state-owned commercial banks This part, in-depth analysis of the innovation of personal wealth management products of commercial banks The cause of the problem is that the state's financial policy is not perfect, the financial supervision mechanism is not sound, the innovation management structure is not perfect, the professional shortage of the innovation and the risk control ability of the product fall After analyzing the problems existing in the innovation of the individual financial products of the commercial banks and the causes of the problems, the paper put forward the corresponding countermeasures to solve the problems and the causes of the problems and the causes, so as to solve the personal financial management of the state-owned commercial banks in our country. The problems in product innovation and the promotion of their personal management
【学位授予单位】：武汉工程大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】