关于银行理财产品发展和创新的研究
发布时间：2019-06-20 14:28
【摘要】：银行理财产品，是商业银行在对潜在目标客户群进行分析和研究的基础上，针对特定目标客户群开发设计并销售的资金投资和管理计划。近年来，我国银行理财产品发展迅速。银行理财产品一方面满足了客户的投资和收益的需求，同时，作为银行中间业务的重要组成部分，给银行带来了巨大的收益。 本文从我国银行理财产品发展状况入手，分析我国银行理财产品发展的动因及特点，并对具体的银行理财产品进行深入的案例分析，通过模拟计算对理财产品的收益率和定价情况进行分析。 在我国银行理财产品的发展过程中，仍然存在诸多问题，如产品定价、风险控制、产品设计能力不足、客户风险教育不够等。要解决这些问题，关键在于创新。通过创新，，银行可以不断扩展投资领域，优化风险控制措施，完善产品结构，并进一步从客户的角度出发进行产品设计。
[Abstract]:The bank financial product is the capital investment and management plan designed and sold for a specific target customer base on the basis of analysis and research on the potential target customer base. In recent years, our bank financial products have developed rapidly. On the one hand, the bank financial products meet the needs of the customers' investment and income, and at the same time, as an important part of the bank's intermediate business, the bank brings great benefits to the bank. This paper starts with the development of the financial management products in our country, analyzes the causes and characteristics of the development of the financial products in our country, and analyses the specific bank financial products, and points out the return and pricing of the financial products through the simulation. In the process of the development of Chinese bank financial products, there are still many problems, such as product pricing, risk control, insufficient product design capacity, and customer risk education. It's not enough. To solve these problems, the key is Innovation. Through innovation, the bank can expand the field of investment, optimize the risk control measures, improve the product structure, and make the product further from the customer's point of view
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
本文编号：2503292
[Abstract]:The bank financial product is the capital investment and management plan designed and sold for a specific target customer base on the basis of analysis and research on the potential target customer base. In recent years, our bank financial products have developed rapidly. On the one hand, the bank financial products meet the needs of the customers' investment and income, and at the same time, as an important part of the bank's intermediate business, the bank brings great benefits to the bank. This paper starts with the development of the financial management products in our country, analyzes the causes and characteristics of the development of the financial products in our country, and analyses the specific bank financial products, and points out the return and pricing of the financial products through the simulation. In the process of the development of Chinese bank financial products, there are still many problems, such as product pricing, risk control, insufficient product design capacity, and customer risk education. It's not enough. To solve these problems, the key is Innovation. Through innovation, the bank can expand the field of investment, optimize the risk control measures, improve the product structure, and make the product further from the customer's point of view
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
【共引文献】
相关硕士学位论文 前1条
1 段晓军;结构性理财产品收益与风险分析[D];山东大学;2014年
本文编号：2503292
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