J银行理财产品运作模式案例分析

发布时间：2018-08-30 07:29

【摘要】：近年来,投资者越来越注重资产的保值增值,并开始关注银行理财产品,主要原因是我国经济态势和个人可支配收入的不断提高,以及居民理财意识的觉醒。为了迎合市场需求,我国商业银行不断发行理财产品,使得理财产品的发行数量和发行规模呈现出极大地增长。商业银行理财业务,在提高银行业绩,增加银行收入的同时,凭借其融资速度快和灵活性高的特点,已经成为金融市场上不可忽视的金融工具。J银行理财业务2007年开始起步,发展到现在,从2014年开始,由于J银行开始大力推动理财业务,理财业务得到高速发展。但是,事物都是有双面性的。在J银行享受理财业务发展带来的有利之处时,也不能忽视理财产品相伴而来的风险性。J银行理财市场正处于快速增长期,理财风险控制手段和市场管理技术与理财规模的不匹配给J银行带来了风险问题。因此,根据J银行当前理财业务发展情况,重点研究J银行在理财产品设计过程中存在的风险,并对风险提出一些防护建议,这具有一定的现实意义。本文主要研究了J银行理财产品设计的过程和运作模式的风险情况,并探讨了J银行未来理财产品的发展走向和实际意义。首先,本文将介绍商业银行理财产品的发展情况,强调在银监会监督下理财产品的投资限制情况,并从产品设计方向和投资方向介绍了J银行理财产品运作模式,其本质在于以银行理财产品为载体,以理财资金为工具。在分析了J银行理财业务的发展现状之后,对理财产品运作模式中的风险来源,特征及控制途径进行了重点讨论。最后,本文针对J银行理财产品设计过程中风险控制手段的不足,探索研究了未来产品经营方式的转变,并提出相应的建议。本文从J银行理财产品的发行主体和投资主体两方面着手研究,从微观角度研究了理财产品运作模式,并从投资者和银行两方面的需求中解释了J银行理财产品的发展趋势。通过研究,得到以下结论:(1)随着金融市场的不断深化,加强运作模式中的风险控制成为必然,风险控制是理财产品运作模式设计过程的重要项目,因此应加快系统建设,精细化中后台操作,减小人为操作风险。(2)国内金融市场因素逐步提高,资本投资渠道进一步多元化,资产配置可放宽至全球资产。理财的趋势是不会变的,理财业务主要是考验银行的资产管理能力,培养客户和人才储备能力,逐步真正做到财富管理甚至是私人银行业务。J银行理财业务相比其他银行理财业务处于起步阶段,必须坚持走先规范后发展的道路,在严控风险的前提下稳健发展。
[Abstract]:In recent years, investors pay more and more attention to the maintenance and appreciation of assets, and begin to pay attention to the banking financial products, mainly due to the increasing economic situation and personal disposable income, as well as the awakening of residents' awareness of financial management. In order to meet the market demand, Chinese commercial banks continue to issue financial products, which makes the number and scale of financial products increase greatly. Commercial bank financial management business, while improving bank performance and increasing bank income, with its characteristics of fast financing and high flexibility, has become a financial tool that can not be ignored in the financial market. Now, since 2014, as J Bank began to vigorously promote wealth management business, wealth management business has been rapid development. But everything has two sides. While J Bank enjoys the advantages of financial management business development, it cannot ignore the risks associated with financial management products. J bank financial management market is in a period of rapid growth. The mismatch of financial risk control means and market management technology and financial management scale brings risk problems to J Bank. Therefore, according to the development of J Bank's current financial management business, it is of practical significance to study the risks existing in the process of J Bank's financial management product design, and to put forward some suggestions to protect the risks. This paper mainly studies the risk situation of the design process and operation mode of J bank's financial management product, and discusses the development trend and practical significance of J bank's financial management product in the future. First of all, this paper will introduce the development of financial products of commercial banks, emphasize the investment restriction of financial products under the supervision of CBRC, and introduce the operating mode of financial management products of J bank from the direction of product design and the direction of investment. Its essence lies in taking the bank financial management product as the carrier and the financial management fund as the tool. After analyzing the present situation of J bank's financial management business, this paper mainly discusses the risk sources, characteristics and control ways in the operation mode of financial management products. Finally, aiming at the deficiency of risk control means in the process of financial product design of J Bank, this paper probes into the transformation of future product management mode and puts forward corresponding suggestions. This paper starts with the research on the issuing subject and investment subject of J bank financial products, studies the operating mode of financial management products from the micro point of view, and explains the development trend of J bank financial products from the demand of investors and banks. Through the research, the following conclusions are drawn: (1) with the deepening of the financial market, it is inevitable to strengthen the risk control in the operation mode, and the risk control is an important project in the design process of the operation mode of the financial management product, so the system construction should be accelerated. (2) the domestic financial market factors gradually increase, capital investment channels are further diversified, asset allocation can be relaxed to global assets. The trend of financial management will not change. The main purpose of financial management is to test the banks' ability to manage assets, and to cultivate the ability of customers and talent reserves. Gradually and truly to achieve wealth management or even private banking business. J banking business is in its infancy compared with other banking business, we must adhere to the first standardized and then develop the road, under the premise of strict risk control steady development.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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