我国商业银行理财产品风险管理研究

发布时间：2018-06-12 15:57

本文选题：理财产品 + 风险管理　；参考：《北京交通大学》2011年硕士论文

【摘要】：2007年,我国银行理财产品呈现出爆发性的增长,全年人民币产品发行了1302只,外币产品发行了1760只,均远超过2006年的水平。但是,在美国次贷危机爆发、国内多次加息等背景下,联接境外股票、商品、利率和汇率的产品出现了大面积的低收益、零收益,甚至是负收益现象。关于银行理财产品设计不合理、银行风险提示不充分、银行理财产品监管不严等质疑不绝于耳,关于商业银行理财产品的投诉也越来越多。商业银行理财产品风险再次成为社会大众关注的焦点。随着我国经济快速发展,居民手中可支配财富不断增加,财富保值增值成为居民的迫切需要,这为我国商业银行理财产品发展带来了巨大的市场潜力。但是,受法律制度、管理体制和市场发育程度等方面的制约,我国商业银行理财产品不可避免地会遇到许多新的问题。目前中国理财市场处于从无序竞争向规范化发展的转折时期,发展过程中出现的盲目和恶性竞争也给商业银行带来了新的风险隐患,研究如何妥善地处理好理财市场发展中的问题,完善商业银行理财产品风险管理体系,提高商业银行对理财产品风险的管理水平,加强对理财产品的监管,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。总之,本人结合今年以来我国理财产品风险案例,运用MBA阶段所学的理论知识,结合工作实际,对理财产品风险及其风险管理进行分析,目的是探索我国理财产品风险管理的有效途径。
[Abstract]:In 2007, China's banking financial products showed an explosive growth, with 1302 RMB products issued and 1760 foreign currency products issued in the whole year, all far exceeding the 2006 level. However, under the background of the outbreak of the subprime mortgage crisis in the United States and the increase of interest rates at home many times, the products connected with foreign stocks, commodities, interest rates and exchange rates have appeared a large area of low yield, zero return, and even negative return phenomenon. There are more and more complaints about financial products of commercial banks, such as unreasonable design of banking financial products, inadequate warning of bank risks, lax supervision of bank financial products and so on. The commercial bank financial management product risk once again becomes the social public attention focal point. With the rapid development of our country's economy, the disposable wealth in the hands of the residents is increasing constantly. It is urgent for the residents to maintain and increase the value of wealth, which has brought huge market potential for the development of financial products of commercial banks in our country. However, due to the restriction of legal system, management system and market development degree, the financial products of commercial banks in China will inevitably encounter many new problems. At present, China's financial market is in a turning point from disorderly competition to standardized development. Blind and vicious competition in the process of development also brings new risks to commercial banks. How to properly deal with the problems in the development of financial management market, perfect the risk management system of financial products of commercial banks, improve the management level of financial products risks of commercial banks, and strengthen the supervision of financial products, It is the basis to ensure the healthy, orderly and standardized development of the commercial bank financial products market, and has great practical significance to promote the rapid development of the commercial bank financial products in the norms. In a word, combining with the case of financial product risk in China since this year, using the theory and practice of MBA, I analyze the risk of financial product and its risk management. The aim is to explore the effective way of risk management of financial products in China.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：F832.2

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