我国商业银行个人理财业务的发展与监管问题研究

发布时间：2018-04-09 19:31

本文选题：商业银行　切入点：个人理财业务　出处：《天津商业大学》2012年硕士论文

【摘要】：改革开放以来我国经济高速发展，我国居民收入水平得到进一步提高。经济的发展和各项体制的改革使人们更多的关注自己的财务状况，，不再满足于传统的储蓄方式来增加财富，而是迫切需要通过多层次、多样化的金融投资工具使未来生活有所保障,同时扩大投资收益来源。但是，面对日益复杂的市场环境，个人专业知识十分匮乏，因此，寻求专业的理财机构，提高专业化、个性化的理财服务成为必要。本文通过分析个人理财业务的发展过程及其现状，对比国外个人理财业务的发展，吸取先进的个人理财业务监管经验，对政府监管部门，商业银行自身的风险内控机制以及市场监管的研究和制度的探讨，建立起一个三位一体的监管框架模式，从而实现商业银行理财市场的监管目标。本文采用理论与实际相结合的方法，分析商业银行个人理财业务风险及其监管的理论发展过程，探索监管的具体措施和方法。通过分析国外商业银行理财业务风险监管的监管手段和成功案例，从中发现我国商业银行个人理财业务的风险监管存在的差距，提出我国商业银行个人理财业务监管所应当采取的路径。
[Abstract]:Since the reform and opening up, China's rapid economic development, China's income level has been further improved.Economic development and institutional reforms have made people pay more attention to their own financial situation, no longer satisfied with the traditional way of saving to increase wealth, but urgent need through multiple levels.Diversification of financial investment instruments to ensure future life, while expanding the source of investment income.However, in the face of increasingly complex market environment, personal professional knowledge is very scarce. Therefore, it is necessary to seek professional financial institutions and improve specialized and personalized financial services.By analyzing the development process and present situation of personal finance business, this paper compares the development of personal finance business abroad, draws on the advanced experience of personal finance business supervision, and gives the supervision department to the government.The internal risk control mechanism of commercial banks and the research and system of market supervision have established a trinity regulatory framework model to realize the supervision goal of commercial banks financial management market.This paper adopts the method of combining theory with practice to analyze the risk of personal finance business of commercial banks and the theoretical development process of supervision, and to explore the concrete measures and methods of supervision.By analyzing the supervision methods and successful cases of foreign commercial banks' financial management business risk supervision, the author finds out the gap in the risk supervision of commercial banks' personal finance business in China.Put forward our country commercial bank personal finance business supervision should take the path.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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