A银行理财业务风险控制研究

发布时间：2018-01-22 04:43

本文关键词： 商业银行理财产品风险管理　出处：《苏州大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的发展、居民可支配财富的增加,人们对于手中资金的投资需求便应运而生。尤其是在通货膨胀的背景下,人民对于财富更是有保值增值的需求。自2005年银监会颁布《商业银行个人理财业务管理暂行办法》以来,商业银行理财业务迅猛发展,一方面固然是居民投资理财需求的“井喷式”的释放,另一方面也有银行表内资金转表外的推波助澜。截至2015年底,全国共有426家银行业金融机构有存续理财产品,合计60879只,理财资金余额23.5万亿,而这一余额在2012年还仅有7.1万亿。伴随理财产品规模提升的还有理财产品的风险。据Wind资讯数据显示,2012年到期的银行理财产品公布到期实际收益率的1021款产品中有211款产品未实现预期收益。西南财经大学信托与理财研究所发布的《部分结构性产品亏损现象依旧投资者需谨慎选择》研报显示,在2013年2974款结构性理财产品中,有86.17%的产品实现了最高预期收益率,有13.6%的产品实现了最低预期收益率。然而该研报表示,这并不能说明结构性产品风险减小,而是部分银行只公布到期收益较好的产品,对收益表现较差的产品的到期信息则进行隐藏,事实上这样的行为在业内并不少见。因此,加强我国商业银行理财产品的风险控制和研究,对商业银行具有重要意义。本文通过对A银行理财产品进行研究,分析理财产品风险的类型和成因,寻求风险控制的管理办法,从而提升商业银行自身风险监管体系建设,提高商业银行理财人员的整体业务水平,这对于促进商业银行理财业务的健康发展有着重要意义。
[Abstract]:With the development of China's economy, increasing household disposable wealth, people will come into being in the hands of capital investment needs. Especially in the context of inflation, more and more people are increasing the value of the demand for wealth. Since 2005, the CBRC promulgated the "commercial bank personal financial business management Interim Measures" since the rapid development of business the banking business, on the one hand is the residential investment demand "blowout" release, on the other hand there are fueling the bank in the form of funds transfer sheet. By the end of 2015, a total of 426 banking financial institutions have continued financial products, total 60879, financial fund balance 23 trillion and 500 billion, and this a balance in 2012 only 7 trillion and 100 billion. With the scale of financial products and increase the risk of financial products. According to Wind information data show that the bank financial products announced 2012 due to expire The actual rate of return of 1021 products there are 211 products did not achieve the expected benefits. "Part of structured products issued by the Southwestern University of Finance and Economics loss phenomenon and financial trust research still need to be cautious investors select > Research Report shows that in 2013, 2974 models of structured financial products, 86.17% products have achieved the highest expected rate of return, 13.6% the product to achieve the minimum expected rate of return. However, the research report said, this does not mean that the risk of structured products is reduced, but some banks only announced maturity yield better products, to return to the poor performance of the product information is hidden, in fact this is not uncommon in the industry. Therefore, strengthen my financial products commercial bank risk control and research, has important significance to commercial banks. Based on the research of A bank financial products, analysis of the risk of financial products category It is of great significance to promote the healthy development of commercial banks' financial management by improving the risk management system and improving the overall business level of financial managers.

【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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