黑龙江省农业银行个人理财风险管理研究

发布时间：2018-01-16 16:28

本文关键词：黑龙江省农业银行个人理财风险管理研究　出处：《哈尔滨理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：居民可支配收入的提高、物价上涨、信息时代的到来以及居民素质的提高等诸多因素促使黑龙江省居民对银行个人理财的需求在短时间内大幅度增加。面对需求,黑龙江省农业银行推出了多种理财产品,取得了丰硕的成果。但是收益与风险是相伴而生的,一定要清醒的认识到风险的存在。但是针对银行个人理财风险管理研究并不充分,尤其是针对黑龙江省农业银行个人理财风险管理研究仍是空白,基于此,本研究以黑龙江省农业银行为样本,运用文献研究法等多种方法研究其风险管理问题,具有重要的理论意义与实际意义。本文首先借鉴现代投资组合理论、资本资产定价等理论,依据黑龙江省农业银行个人理财业务发展情况,分析了黑龙江省农业银行在风险管理过程中存在的主要问题,并详细总结了个人理财业务所面对的风险以及成因。其次,通过构建风险评估体系对个人理财业务风险进行评估。最后,从内部和外部两方面提出几点黑龙江省农业银行个人理财业务风险控制的对策。这些对策能够为黑龙江省农业银行提高个人理财业务核心竞争力,降低个人理财业务风险提供有力支撑,也能够为黑龙江省农业银行个人理财业务的发展指明方向,对其他商业银行个人理财业务的发展也具有一定的借鉴意义。
[Abstract]:The increase in the disposable income of the residents, the rise in prices. The arrival of the information age and the improvement of the quality of the residents in Heilongjiang Province led to the demand for personal finance of banks in a short period of time. Agricultural Bank of Heilongjiang Province has launched a variety of financial products, has achieved fruitful results, but the benefits and risks are accompanied. We must be aware of the existence of risk. But the study on personal financial risk management of banks is not sufficient, especially for the agricultural bank of Heilongjiang Province, the study of personal financial risk management is still blank, based on this. This study takes the Agricultural Bank of Heilongjiang Province as a sample, using literature research methods and other methods to study its risk management, which has important theoretical and practical significance. Firstly, this paper draws lessons from the modern portfolio theory. Based on the theory of capital asset pricing and the development of personal finance business of Agricultural Bank of Heilongjiang Province, this paper analyzes the main problems in the process of risk management of Agricultural Bank of Heilongjiang Province. And summarized in detail the risks faced by personal finance business and the causes. Secondly, through the construction of risk assessment system to assess the risks of personal finance business. Finally. From the internal and external aspects, this paper puts forward several measures to control the risk of personal finance business of Agricultural Bank of Heilongjiang Province, which can improve the core competitiveness of personal finance business for the Agricultural Bank of Heilongjiang Province. To reduce the risk of personal finance business to provide strong support, but also for the agricultural bank of Heilongjiang Province, the development of personal finance business direction, other commercial banks personal finance business development also has certain reference significance.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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