我国商业银行个人理财业务风险控制研究
发布时间：2018-08-26 08:00
【摘要】：近些年,随着改革开放的深化和资本市场的不断完善,我国经济取得了举世瞩目的成就,人民的可支配收入水平和财富水平有了大幅度的提高,理财意识也在逐渐觉醒,从过去仅仅依赖于银行存款转变为主动寻找为财富保值增值的渠道,在此背景下,我国理财行业开始蓬勃发展。相对于西方发达国家,我国商业银行个人理财业务虽然起步较晚,但是发展迅速。然而,个人理财业务的迅速膨胀给商业银行带来巨大发展机遇和良好经营收入的同时,其问题也在逐渐暴漏出来,尤其是近年来出现的一系列的"零收益"和"负收益"的理财产品,同时2012年华夏银行理财产品违约案、2017年民生银行飞单案等重大事件都引起了市场对理财产品自身风险的普遍关注,公众对银行理财产品的安全性有了质疑,另外由于现有的监管体系比较薄弱,个人理财业务的商业属性又较为复杂,这已逐渐成为商业银行个人理财业务发展的重大隐患。所以加强商业银行个人理财业务的风险控制,对商业银行个人理财业务又好又快的发展具有重要的意义。然而,现阶段我国商业银行个人理财业务风险控制中却存在着一些需要解决的问题,具体表现在客户风险评估不到位,信息披露不健全,理财人员行为不规范,风险控制能力弱,高息揽储仍然存在,代销理财产品宣传不实等一些问题,这些问题若不妥善解决,商业银行个人理财业务仍将处于风险暴露之中。在此背景下,研究如何借鉴西方优秀经验,提出合理的商业银行风险控制措施,改善现有的风险控制方式,维护金融安全和投资者权益,是商业银行个人理财业务发展中亟待解决的问题,这也是本文力图解决的问题。全文一共分为六大部分。第一部分为绪论,主要介绍了本文的选题背景和研究意义、国内外研究现状以及研究思路和内容;第二部分介绍了商业银行个人理财业务的概念、种类和特点,并简要介绍了我国商业银行个人理财业务的发展历程和现状;第三部分主要介绍了我国商业银行个人理财业务的风险来源及风险控制中存在的问题,包括客户评估不到位、信息披露不健全、销售行为不规范、风险控制能力弱、高息揽储普遍存在、代销理财产品宣传不实等问题,并简要分析了相关原因;第四部分对发达国家和地区的先进经验进行了总结,以期对我国商业银行提供良好的借鉴;第五部分针对个人理财业务风险控制存在的问题,从商业银行内部环境和外部环境两方面提出了相应的对策和建议;最后一部分是研究总结与展望,对全文进行了简要的总结。
[Abstract]:In recent years, with the deepening of reform and opening up and the continuous improvement of the capital market, China's economy has made remarkable achievements, the level of disposable income and wealth of the people has been greatly improved, and the awareness of financial management has gradually awakened. From only relying on bank deposits in the past to actively seeking ways to maintain and increase the value of wealth, in this context, the financial management industry in China began to flourish. Compared with western developed countries, China's commercial banks' personal finance business started late, but developed rapidly. However, the rapid expansion of personal finance business has brought huge development opportunities and good operating income to commercial banks, at the same time, its problems are also gradually leaking out. In particular, a series of "zero return" and "negative income" financial products have emerged in recent years. At the same time, major events such as the 2012 Huaxia Bank Financial Product default case and the 2017 Minsheng Bank Flying single case have aroused widespread concern in the market about the risks of the financial products themselves, and the public has questioned the safety of the banking financial products. In addition, the existing supervision system is weak, and the business attribute of personal finance business is more complex, which has gradually become a major hidden trouble of the development of personal finance business of commercial banks. Therefore, it is of great significance to strengthen the risk control of personal finance business of commercial banks for the good and fast development of personal finance business of commercial banks. However, at present, there are some problems to be solved in the risk control of personal finance business of commercial banks in China, which are manifested in the following aspects: the customer risk assessment is not in place, the disclosure of information is not perfect, and the behavior of financial personnel is not standardized. Some problems, such as weak risk control ability, high interest rate and untrue publicity of financial products, will still expose the personal financial business of commercial banks if these problems are not properly solved. Under this background, how to draw lessons from the western excellent experience, put forward the reasonable commercial bank risk control measure, improve the existing risk control way, safeguard the financial security and investor's rights and interests, It is an urgent problem in the development of personal finance business of commercial banks, which is also the problem that this paper tries to solve. The full text is divided into six parts altogether. The first part is the introduction, mainly introduces the background and research significance of this paper, domestic and foreign research status, research ideas and content; the second part introduces the commercial bank personal finance business concept, types and characteristics, The third part mainly introduces the risk source and risk control of commercial bank personal finance business in China, including the lack of customer evaluation. The information disclosure is not perfect, the sales behavior is not standardized, the risk control ability is weak, the high interest rate is generally existed, the propaganda of the financing products is not true and so on, and the related reasons are briefly analyzed. The fourth part summarizes the advanced experiences of developed countries and regions in order to provide a good reference for our commercial banks. This paper puts forward the corresponding countermeasures and suggestions from the internal and external environment of the commercial bank. The last part is the summary and prospect of the research and a brief summary of the full text.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
本文编号：2204231
[Abstract]:In recent years, with the deepening of reform and opening up and the continuous improvement of the capital market, China's economy has made remarkable achievements, the level of disposable income and wealth of the people has been greatly improved, and the awareness of financial management has gradually awakened. From only relying on bank deposits in the past to actively seeking ways to maintain and increase the value of wealth, in this context, the financial management industry in China began to flourish. Compared with western developed countries, China's commercial banks' personal finance business started late, but developed rapidly. However, the rapid expansion of personal finance business has brought huge development opportunities and good operating income to commercial banks, at the same time, its problems are also gradually leaking out. In particular, a series of "zero return" and "negative income" financial products have emerged in recent years. At the same time, major events such as the 2012 Huaxia Bank Financial Product default case and the 2017 Minsheng Bank Flying single case have aroused widespread concern in the market about the risks of the financial products themselves, and the public has questioned the safety of the banking financial products. In addition, the existing supervision system is weak, and the business attribute of personal finance business is more complex, which has gradually become a major hidden trouble of the development of personal finance business of commercial banks. Therefore, it is of great significance to strengthen the risk control of personal finance business of commercial banks for the good and fast development of personal finance business of commercial banks. However, at present, there are some problems to be solved in the risk control of personal finance business of commercial banks in China, which are manifested in the following aspects: the customer risk assessment is not in place, the disclosure of information is not perfect, and the behavior of financial personnel is not standardized. Some problems, such as weak risk control ability, high interest rate and untrue publicity of financial products, will still expose the personal financial business of commercial banks if these problems are not properly solved. Under this background, how to draw lessons from the western excellent experience, put forward the reasonable commercial bank risk control measure, improve the existing risk control way, safeguard the financial security and investor's rights and interests, It is an urgent problem in the development of personal finance business of commercial banks, which is also the problem that this paper tries to solve. The full text is divided into six parts altogether. The first part is the introduction, mainly introduces the background and research significance of this paper, domestic and foreign research status, research ideas and content; the second part introduces the commercial bank personal finance business concept, types and characteristics, The third part mainly introduces the risk source and risk control of commercial bank personal finance business in China, including the lack of customer evaluation. The information disclosure is not perfect, the sales behavior is not standardized, the risk control ability is weak, the high interest rate is generally existed, the propaganda of the financing products is not true and so on, and the related reasons are briefly analyzed. The fourth part summarizes the advanced experiences of developed countries and regions in order to provide a good reference for our commercial banks. This paper puts forward the corresponding countermeasures and suggestions from the internal and external environment of the commercial bank. The last part is the summary and prospect of the research and a brief summary of the full text.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
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