银行理财产品运作模式与风险收益分析
发布时间：2018-12-13 12:25
【摘要】：近年来,随着股票投资市场的持续低迷和楼市调控效果的逐渐显现,越来越多的投资者开始关注并且投资银行理财产品。同时,各家商业银行发售理财产品的数量和规模也呈现“井喷”式增长。然而,银行理财产品在我国发展时间相对较短,国内对银行理财产品的理论研究特别是银行理财产品运作模式的研究有限。美国次贷危机之后,各国商业银行普遍开始重视理财基础资产的优质性和金融产品运作模式的安全性。我国银行理财产品正处于从起步走向成熟的关键阶段,在追求银行理财产品数量上高速发展的同时,更应该注重银行理财产品运作模式的创新性和安全性,以及如何在提高收益稳定性的同时最大程度的降低投资风险。 针对以上问题,本文首先对银行理财产品的相关概念和我国银行理财产品的发展历程进行了研究,以便清楚的了解我国银行理财产品的发展状况并完善理论依据。其次,对三种主要的银行理财产品运作模式逐一进行了研究,论述了各类理财产品运作模式的特点以及相关政策法规对其发展模式的影响。在分析方法上,采用了归纳演绎和举例说明的方法。第三,对三种理财产品的风险和收益特征进行了分析,着重运用Markowitz证券投资组合模型对挂钩型理财产品的“结构化”运作模式进行了研究。最后,文章对上述三种银行理财产品运作模式中出现的问题进行了分析,并提出了改善意见。同时介绍了美国银行理财业务的发展经验,并对完善监管体制提出了看法。
[Abstract]:In recent years, with the continuous downturn of the stock investment market and the gradual appearance of the property market regulation effect, more and more investors begin to pay attention to and invest in banking financial products. At the same time, the number and size of financial products sold by commercial banks also showed a "blowout" growth. However, the development time of banking financial products in China is relatively short, and the theoretical research on banking financial products, especially the operation mode of banking financial products, is limited in China. After the subprime mortgage crisis, commercial banks all over the world began to attach importance to the quality of basic assets and the security of financial products. The banking financial products of our country are in the critical stage from the beginning to the maturity. While pursuing the rapid development of the quantity of the banking financial products, we should pay more attention to the innovation and security of the operation mode of the banking financial products. And how to improve the return stability while minimizing investment risk. Aiming at the above problems, this paper first studies the related concepts of banking financial products and the development of banking financial products in China, in order to clearly understand the development of banking financial products in China and improve the theoretical basis. Secondly, the paper studies the three main banking financial product operation modes one by one, and discusses the characteristics of each kind of financial management product operation model and the influence of relevant policies and regulations on its development model. In the analysis method, the method of inductive deduction and illustration is adopted. Thirdly, the risk and income characteristics of three kinds of financial products are analyzed, and the "structured" operation mode of linked financial products is studied by using Markowitz portfolio model. Finally, the paper analyzes the problems in the above three kinds of banking products, and puts forward some suggestions for improvement. At the same time, it introduces the development experience of American bank's financial management business, and puts forward some opinions on how to perfect the supervision system.
【学位授予单位】：长春理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
本文编号：2376526
[Abstract]:In recent years, with the continuous downturn of the stock investment market and the gradual appearance of the property market regulation effect, more and more investors begin to pay attention to and invest in banking financial products. At the same time, the number and size of financial products sold by commercial banks also showed a "blowout" growth. However, the development time of banking financial products in China is relatively short, and the theoretical research on banking financial products, especially the operation mode of banking financial products, is limited in China. After the subprime mortgage crisis, commercial banks all over the world began to attach importance to the quality of basic assets and the security of financial products. The banking financial products of our country are in the critical stage from the beginning to the maturity. While pursuing the rapid development of the quantity of the banking financial products, we should pay more attention to the innovation and security of the operation mode of the banking financial products. And how to improve the return stability while minimizing investment risk. Aiming at the above problems, this paper first studies the related concepts of banking financial products and the development of banking financial products in China, in order to clearly understand the development of banking financial products in China and improve the theoretical basis. Secondly, the paper studies the three main banking financial product operation modes one by one, and discusses the characteristics of each kind of financial management product operation model and the influence of relevant policies and regulations on its development model. In the analysis method, the method of inductive deduction and illustration is adopted. Thirdly, the risk and income characteristics of three kinds of financial products are analyzed, and the "structured" operation mode of linked financial products is studied by using Markowitz portfolio model. Finally, the paper analyzes the problems in the above three kinds of banking products, and puts forward some suggestions for improvement. At the same time, it introduces the development experience of American bank's financial management business, and puts forward some opinions on how to perfect the supervision system.
【学位授予单位】：长春理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
【参考文献】
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相关硕士学位论文 前2条
1 姜玉琢;我国商业银行个人理财业务研究[D];吉林大学;2007年
2 杨轶雯;商业银行理财产品的创新与收益研究[D];上海交通大学;2008年
，本文编号：2376526
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