我国商业银行理财产品风险控制研究

发布时间：2017-12-31 13:30

本文关键词：我国商业银行理财产品风险控制研究　出处：《辽宁师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国国民经济持续、稳定的发展，居民物质财富的增加，生活条件的改善，人们对于个人理财业务的需求越来越强烈。1996年，中信银行率先设立“私人理财中心”，同年，工商银行上海分行推出多种理财服务项目，其中包含理财咨询、外汇买卖、存单质押贷款等业务，1998年工商银行在多个大中型城市开展理财试点业务，让人们真正开始了解和接受银行理财产品，商业银行的理财产品以其较低风险、高于储蓄存款的利率，受到人们的广泛认可。经过多年发展我国商业银行个人理财业务，已经取得一定成绩，但是国内商业银行的理财从业人员，具备CFP国际职业资格认证的从业者寥寥无几，不能进行深层次理财服务，缺乏对理财产品风险控制方面的专业知识，忽视理财产品自身存在的风险。2008年，美国次贷危机引发全球金融危机，各国股价大幅下跌，国内商品价格波动严重，部分商业银行的理财产品呈现零收益率的情况，有些产品甚至处于负收益的状态。因此，加强我国商业银行理财产品的风险控制和研究，对国内商业银行和监管部门具有重要的指导意义。本文介绍了目前国内商业银行理财产品市场销售量呈逐年上涨的趋势，受到人们的认可和追捧，总结归纳出不同类型理财产品的特点以及产品之间存在的区别。通过研究我国商业银行理财产品的发展现状和发达国家商业银行理财业务的发展模式，深刻的认识到我国商业银行与发达国家银行在理财业务上存在的差距，因此，国内商业银行需要加强自身风险监管体系的建设，，提升商业银行理财人员整体业务水平，升级商业银行理财产品业务信息系统，同时还需要健全我国资本金融机构的监管立法体系，提高我国金融业监管机构之间协调合作的积极性，增强对金融业投资者的保护力度。
[Abstract]:With China's sustained and stable development, increasing people's material wealth, the improvement of living conditions, people demand for personal financial services has become more and more strong.1996 years, CITIC Bank pioneered the establishment of private finance center ", the same year, industrial and Commercial Bank of China Shanghai branch launched a variety of financial services, including consulting, foreign exchange the sale, hypothecated loan business, 1998 industrial and commercial bank to carry out financial pilot operations in a number of large and medium-sized city, so people began to understand and accept the bank financial products, commercial bank financial products with lower risk, higher savings rates, widely recognized by the people. After years of development of personal financial business in China commercial banks have already made certain achievements, but the domestic commercial bank financial practitioners, practitioners have scanty CFP international occupation qualification, not Can the deep financial services, lack of professional knowledge of financial products, risk control, ignore financial products own existence risk of.2008 years, the U.S. subprime mortgage crisis triggered the global financial crisis, the share price fell sharply, domestic commodity prices fluctuate seriously, part of commercial bank financial products has zero yield, even some products in a state of negative income. Therefore, to strengthen the financial products in China's commercial bank risk control and research, has the important guiding significance on the domestic commercial banks and regulatory authorities.
This paper introduces the current domestic commercial bank financial products market volume was gradually rising trend, people have recognized and sought after, summed up the difference between the characteristics of different types of financial products and product development model. By studying the development situation of China's commercial banks financial products and financial services of commercial banks in developed countries, profound to recognize the existence of management in the business of China's commercial banks and banks in developed countries the gap, therefore, domestic commercial banks need to strengthen the construction of their own risk supervision system, enhance the financial management of commercial banks overall business level, upgrading of commercial bank financial products business information system, but also need to improve the legislative system of China's capital financial institutions. The enthusiasm of the coordination and cooperation between improving Chinese financial supervision mechanism, strengthen investor protection of the financial industry.

【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【共引文献】