民生银行公司理财业务产品的创新研究

发布时间：2018-04-05 00:01

本文选题：民生银行　切入点：公司理财产品　出处：《贵州财经大学》2017年硕士论文

【摘要】：随着市场经济体制的逐步确立以及金融改革的不断深入,商业银行市场化经营已经成为不争的事实,商业银行在完善传统金融服务的同时,为获得更多的利润收益,提升商业银行竞争力,就要大力的开办中间业务,其中最为主要的中间业务就是银行理财,随着金融市场竞争的日益加剧,作为可以增加银行中间业务收入的理财业务越来越被各家银行所重视。而且,企业健康、可持续地进行银行理财产品的投资有利于激发经济增长,充分发挥市场配置资源的基础性作用。但我国金融市场可开展的理财业务还十分有限,投资企业可投资的产品和渠道也相对狭窄,越来越多的想购买银行理财产品的企业积极寻找市场中投资收益率较高的投资品种,原来的固定收益类理财产品已不能满足市场的需要,这就迫切的需要银行在理财业务产品上的创新,而公司理财投资有一定的风险,如何帮助投资人规避投资风险,获得最大的投资收益已经成为当前公司投资理财的重要课题。本文对民生银行理财业务产品创新进行分析,从中发现其银行理财产品创新中存在的一些问题,特别是产品创新研发和设计能力不足,创新出发点忽略了创新本质,产品收益率差强人意,产品风险控制水平不高等问题严重制约了民生银行公司理财业务产品的创新与健康发展。结合所学专业理论知识,在搜集整理银行公司理财产品创新相关文献资料前提下,借鉴已有的研究成果和理论观点,提出相应的解决民生银行公司理财业务产品创新问题的策略,对民生银行公司理财产品投资组合理论及选择进行分析,构建民生银行公司理财投资组合的VaR的拓展模型,进行相应的实证研究,最后获得研究结果,为民生银行公司理财投资组合分析提供可靠的理论和实证研究依据,为保护投资人通过投资组合有效规避投资风险,获得最大投资收益做出应有的贡献。为民生银行大力发展公司理财业务产品,提高银行中间业务收益,增强民生银行的市场竞争力提供帮助,为今后更深层次的分析研究银行公司业务理财产品及公司理财投资组合选择提供可靠的理论研究依据。
[Abstract]:With the gradual establishment of the market economy system and the deepening of the financial reform, the market-oriented management of commercial banks has become an indisputable fact.In order to enhance the competitiveness of commercial banks, we must vigorously open intermediary business, among which the most important intermediate business is banking finance. With the increasing competition in the financial market,As a kind of financial management business which can increase the income of intermediary business, banks pay more and more attention to it.Moreover, healthy and sustainable investment of banking financial products is beneficial to stimulate economic growth and give full play to the basic role of market allocation of resources.However, the financial services that can be carried out in our financial market are still very limited, and the investment products and channels of investment enterprises are also relatively narrow. More and more enterprises want to buy banking financial products and actively look for investment varieties with higher investment returns in the market.The original fixed income financial products can no longer meet the needs of the market, which urgently needs the innovation of banks' financial management business products. However, corporate financial investment has certain risks, so how to help investors avoid investment risks,To obtain the largest investment income has become an important issue of the company's investment and financial management.This paper analyzes the product innovation of Minsheng Bank's financial management business, and finds out some problems existing in the innovation of its bank's financial management product, especially the deficiency of product innovation, R & D and design ability, and the innovation starting point neglecting the essence of innovation.Problems such as low product yield and low level of product risk control have seriously restricted the innovation and healthy development of Minsheng Bank's financial management products.On the premise of collecting and collating the relevant literature on financial product innovation of banking companies, we can draw lessons from the existing research results and theoretical viewpoints, combining with the theoretical knowledge we have learned.This paper puts forward the corresponding strategies to solve the product innovation problem of Minsheng Bank's financial management business, analyzes the theory and choice of Minsheng Bank's financial product portfolio, and constructs the VaR expansion model of Minsheng Bank's financial management and investment portfolio.The corresponding empirical research is carried out, and finally the results are obtained, which provide reliable theoretical and empirical research basis for the financial portfolio analysis of Minsheng Bank, and protect investors from effectively avoiding investment risk through portfolio investment.Maximize the return on investment and make due contributions.To provide help for Minsheng Bank to vigorously develop the company's financial management business products, to improve the bank's intermediate business returns, and to enhance the market competitiveness of Minsheng Bank.It provides a reliable theoretical basis for the further analysis and research of the banking company's business financial products and the choice of the company's financial management and investment portfolio in the future.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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