我国银行理财产品对居民储蓄存款的影响研究

发布时间：2018-08-29 18:17

【摘要】：储蓄存款是银行获取资金的重要渠道,是银行开展其他业务的基础和前提。我国居民储蓄率一直处于较高的水平,但近些年来,银行由于受到脱媒趋势的影响,单凭银行储蓄存款已不能保留客户,因此银行必须通过其他来方法来改变这种局面,而理财产品的出现在吸收客户资金的同时也丰富了银行的功能。从银行目前发展情况来看,虽然银行理财产品发展时间较短,但发展速度非常快。在银行零售业务的实际操作中,如何看待并处理理财和储蓄之间的关系上存在一定的分歧。这种分歧不仅关系到理财产品和储蓄存款业务的发展,而且还关系到银行零售业业务的转型发展。因此,研究银行理财产品和居民储蓄关系显得十分重要。银行理财产品的发行会对储蓄存款有正的影响?还是负的影响?还是没有影响?这些都是本篇需要研究探讨的问题。首先,本文在已有的文献研究基础上,用搜集到的具体年度数据对我国银行理财产品和储蓄存款的发展现状和特点进行分析。其次,根据具体数据构建VAR模型来分析银行理财产品对居民储蓄存款余额的变动产生的影响。根据以上估计结果分析,我们得出银行理财产品对居民储蓄存款确实存在一定的影响,而且这种影响比较复杂:短期来看,银行理财产品的发行对居民储蓄存款产生了一定负的影响,原因可能是人们将银行原有的存款资金一部分用于购买了理财产品,从而导致银行储蓄存款有所下降;长期来看,理财对储蓄存款有以正的影响为主,因为理财产品的发行,增加银行功能的同时也扩宽了居民的投资渠道,而且银行信誉相对于其他投资渠道而言信誉更高,人们更多的倾向是把钱放入银行。之后,本文又以某一具体Z银行为例来进行分析研究。最后,根据分析结果得出银行理财产品在储蓄存款发展和银行整体发展中都具有重要作用,因此本文最后一章针对银行理财产品市场的健康发展提出了相关的政策建议。
[Abstract]:Savings deposit is an important channel for banks to obtain funds, and is the basis and premise for banks to carry out other business. The savings rate of residents in China has always been at a relatively high level, but in recent years, because banks have been affected by the trend of disintermediation, bank deposits alone cannot retain customers, so banks must adopt other methods to change this situation. The emergence of financial products in the absorption of customer funds, but also enriched the functions of banks. From the bank's current development, although the bank financial products development time is short, but the speed of development is very fast. In the actual operation of bank retail business, there are some differences on how to deal with the relationship between financial management and savings. This divergence relates not only to the development of wealth management products and savings deposits, but also to the transformation and development of banking retail business. Therefore, it is very important to study the relationship between bank financial products and resident savings. Will the issuance of banking products have a positive impact on savings deposits? Or a negative effect? Still no impact? These are the problems that need to be studied and explored in this paper. First of all, based on the existing literature, this paper analyzes the development status and characteristics of banking financial products and savings deposits in China with the specific annual data collected. Secondly, the VAR model is constructed to analyze the influence of bank financial products on the change of savings balance. Based on the analysis of the above estimates, we conclude that the bank financial products do have a certain impact on the residents' savings deposits, and this effect is quite complex: in the short run, The issuance of bank wealth management products has had a negative impact on residents' savings deposits, possibly because people have used part of the bank's original deposit funds to buy financial products, which has led to a decline in bank savings deposits; in the long run, Financial management has a positive impact on savings deposits, because the issuance of financial management products not only increases the function of banks, but also broadens the investment channels of residents. Moreover, the credibility of banks is higher than that of other investment channels. People tend to put money in the bank more often. Then, this paper takes a specific Z bank as an example to carry on the analysis and research. Finally, according to the results of the analysis, it is concluded that banking financial products play an important role in the development of savings deposits and banks as a whole, so the last chapter of this paper puts forward relevant policy recommendations for the healthy development of the banking financial products market.
【学位授予单位】：河南财经政法大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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