监管新规对银行理财业务的影响——基于理财业务盈利模式的实证研究

发布时间：2018-05-30 10:30

本文选题：银行理财业务 + 期限错配　；参考：《上海金融》2017年01期

【摘要】：近几年银行理财业务规模快速增长。本文基于2014年末到2015年末的周度业务数据和市场数据,通过实证分析方法来研究理财业务的盈利模式。实证结论表明,银行理财业务的盈利模式仍然与赚取利差的传统信贷业务相类似,投资管理能力和交易执行能力相对薄弱,风险真实未转移,不属于真正代客属性的资产管理业务。最后,本文结合实证结论分析了《商业银行理财业务监督管理办法》正式发文后对银行理财业务的影响,并提出相关政策建议。
[Abstract]:In recent years, the scale of banking business has grown rapidly. Based on the weekly business data and market data from the end of 2014 to the end of 2015, this paper studies the profit model of financial management business through empirical analysis. The empirical results show that the profit model of banking business is still similar to the traditional credit business of earning interest margin, the ability of investment management and transaction execution is relatively weak, and the risk is true and untransferred. Asset management business that does not belong to the real client attribute. Finally, based on the empirical conclusions, this paper analyzes the impact of the formal issuance of the "Supervision and Management measures on the Financial Management of Commercial Banks" on the banking financial management business, and puts forward some relevant policy recommendations.
【作者单位】：上海社会科学院经济研究所;兴业银行总行资产管理部;
【分类号】：F832.2

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