我国商业银行资金池理财产品的风险防控优化研究

发布时间：2018-04-15 12:54

本文选题：资金池 + 理财产品　；参考：《浙江理工大学》2014年硕士论文

【摘要】：目前，我国商业银行资金池理财产品业务发展迅速，风险也随之而来，，风险防控机制的重要性日益突出。本文通过研究现阶段我国商业银行资金池理财产品风险防控机制，在借鉴国外先进经验的基础上，对其进行优化，达到完善理财产品风险防控机制的目的。全文共分为六章。第一章为绪论，主要介绍本文的研究背景、研究方法、研究内容及本文结构。第二章介绍理财产品风险控制相关理论和国内外文献综述，主要包括金融不稳定理论、委托代理理论、整体风险管理理论以及全面风险管理理论。第三章总结了美国、欧洲以及亚洲等国理财产品风险控制经验以及对我国的借鉴。第四章分析我国商业银行资金池理财产品的风险特征。第五章以我国某商业银行C银行资金池理财产品为例，对该产品的风险防控进行案例分析。在总结前面各章内容的基础上，第六章从全面风险管理和特定风险管理两个方面提出优化我国商业银行资金池理财产品风险防控机制的对策建议。为了深入分析我国商业银行资金池理财产品风险防控，本文采用了定性分析法、比较研究法、定量分析法以及案例分析法等研究方法。本文的创新之处在于提出建立针对资金池理财产品风险的全方位识别体系。同时，强调融资项目对理财产品风险的重要影响也是本文的一个创新之处。本文的研究一方面可以强化投资者对资金池理财产品的风险意识；另一方面，商业银行也可以通过对资金池理财产品的深入认识来加强自身的风险防控措施。因此，本文具有十分重要的理论意义和现实意义。
[Abstract]:At present, the business of fund pool financing products of commercial banks in China is developing rapidly, and the risk is also following, the importance of risk prevention and control mechanism is becoming more and more prominent.This paper studies the risk prevention and control mechanism of Chinese commercial banks' funds pool financial products at the present stage, on the basis of drawing lessons from foreign advanced experience, optimizes it to achieve the purpose of perfecting the financial management product risk prevention and control mechanism.The full text is divided into six chapters.The first chapter is the introduction, mainly introduces the research background, research methods, research content and structure of this paper.The second chapter introduces the financial product risk control theory and domestic and foreign literature review, including financial instability theory, principal-agent theory, overall risk management theory and comprehensive risk management theory.The third chapter summarizes the experience of financial product risk control in America, Europe and Asia.The fourth chapter analyzes the risk characteristics of Chinese commercial banks' financial products.The fifth chapter takes a commercial bank C bank fund pool financial management product as an example to analyze the risk prevention and control of this product.On the basis of summarizing the contents of the previous chapters, the sixth chapter puts forward the countermeasures and suggestions to optimize the risk prevention and control mechanism of financial products in the capital pool of Chinese commercial banks from the two aspects of overall risk management and specific risk management.In order to deeply analyze the risk prevention and control of financial products in the capital pool of commercial banks in China, this paper adopts qualitative analysis method, comparative research method, quantitative analysis method and case analysis method.The innovation of this paper lies in the establishment of an all-directional identification system for the risks of the financial products of the fund pool.At the same time, it is an innovation of this paper to emphasize the important influence of financing project on financial product risk.On the one hand, the research of this paper can strengthen the investors' risk awareness of the funds pool financial products; on the other hand, commercial banks can also strengthen their own risk prevention and control measures through the in-depth understanding of the funds pool financial products.Therefore, this paper has very important theoretical and practical significance.
【学位授予单位】：浙江理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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