中小商业银行个人理财业务的风险研究

发布时间：2018-01-13 22:21

本文关键词：中小商业银行个人理财业务的风险研究　出处：《中国地质大学（北京）》2012年硕士论文　论文类型：学位论文

【摘要】：随着我国金融国际化程度的加强，商业银行金融创新步伐的加快，同时由于我国人均收入水平的不断提高，单个家庭的财富的不断积累，2010年末,我国的居民储蓄存款余额已经达到了307166亿元,中国百万富翁的人数超过百万。广大富裕起来的国人开始对增加专业的理财需要求，而传统的银行投资渠道已远不能满足。因此，由于需求引发的商业银行个人理财业务逐步进入了快速发展的轨道，但伴随而生的理财业务风险问题也越来越凸显。本文旨在通过运用各类风险管理理论及国内外先进的风险管理经验，结合笔者所在的包商银行的理财业务发展现状，对中小商业银行理财业务风险进行研究，力求找到有效防范此类风险方法和手段，以提升中小商业银行理财业务的风险管理水平。本文通过梳理中外商业银行理财业务的发展历程及包商银行目前理财业务发展中存在的各类风险问题，通过研究对比，，发现国际先进的银行理财业务的风险主要集中在信用风险、管理风险、操作风险和法律风险等方面，而目前我国中小商业银行由于发展起步较晚，在理财业务开展上，不仅涉及到以上的风险，还涉及到流动性风险、产品设计上存在的风险和透支银行信用的风险。因此，本文希望通过借助国外先进国家和地区的风险防范经验，来探讨国内的中小商业银行风险防范的对策，以期解决中小商业银行个人理财业务发展中的瓶颈问题。最后，通过全面地剖析我国中小商业银行个人理财业务发展面临的各类风险，提出了我国中小商业银行理财业务的防范对策，即：以监管部门主动监管和中小商业银行自律发展，二者共同努力，努力实现发展和规范并重，促进我国银行业个人理财业务的理性健康发展。
[Abstract]:With the strengthening of the degree of financial internationalization in our country, the pace of financial innovation in commercial banks has been accelerated. At the same time, due to the constant improvement of the level of per capita income in our country, the wealth of individual households has been accumulated continuously, in end of 2010. The balance of savings deposits in China has reached thirty tillion seven hundred and sixteen billion six hundred million yuan, and the number of millionaires in China is more than one million. But the traditional bank investment channel has been far from being satisfied. Therefore, the commercial bank personal finance business has gradually entered the rapid development track because of the demand. However, the accompanying financial management business risk problem is becoming more and more prominent. This paper aims to use all kinds of risk management theory and advanced risk management experience at home and abroad. Combined with the current situation of the financial management business of the contractor bank, this paper studies the risk of financial management business of small and medium-sized commercial banks, and tries to find effective ways and means to prevent such risks. In order to improve the level of risk management of small and medium commercial banks. Through combing the development course of the Chinese and foreign commercial banks' financial management business and the various risk problems existing in the current financial management business development of the contractors' banks, this paper makes a comparative study. It is found that the risks of international advanced banking business mainly focus on credit risk, management risk, operational risk and legal risk, etc. At present, the small and medium-sized commercial banks of our country start relatively late due to the development of small and medium-sized commercial banks. In the development of financial management business, not only involves the above risks, but also involves the liquidity risk, product design risk and the risk of overdraft bank credit. This paper hopes to use the risk prevention experience of foreign advanced countries and regions to explore the domestic small and medium-sized commercial banks risk prevention countermeasures. In order to solve the small and medium-sized commercial banks in the development of personal finance business bottlenecks. Finally, through a comprehensive analysis of the various risks faced by the development of personal finance business of small and medium-sized commercial banks in China, the paper puts forward the preventive measures for the financial business of small and medium-sized commercial banks in China. That is to say, with the supervision of supervision department and the self-discipline development of small and medium-sized commercial banks, they should make joint efforts to realize both development and standardization, so as to promote the rational and healthy development of personal finance business in China's banking industry.
【学位授予单位】：中国地质大学（北京）
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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