M银行个人理财业务风险控制研究

发布时间：2019-04-03 20:22

【摘要】：随着国内经济的快速发展和金融市场国际化水平的不断提升,个人资产的管理早已突破传统储蓄的范畴。为迎合人们对于多元化资产配置方式和增值途径的需求,银行个人理财业务自2004年应运而生并快速发展,在十多年的时间内为投资者带来了切实的收益与回报。狭义的银行个人理财业务是各类理财产品的销售,而广义的银行个人理财业务是指根据客户的资产情况、职业情况、消费情况、收入情况、生涯目标并结合客户风险承受能力等各方面因素的综合考虑,为客户提供财务方面的管理、运用、投资、规划等服务项目,并进行后续的执行、监控和调整。目前,个人理财业务已经成为各大银行的重要业务板块,且作为一种表外业务,增强了银行自身的获利能力。但理财业务也是一种投资行为,往往与投资行为紧密相连的往往是风险,伴随银行个人理财业务而来的风险问题同样不容小觑。本文采用文献研究法、调查法、定性分析法等方法对M银行个人理财业务风险控制进行了系统地研究。论文主要包括以下五个部分:第一部分是绪论,主要论述了论文研究的背景及意义、理财业务风险控制的国内外研究现状、论文的研究方法及结构,并对论文的创新点与不足进行了阐述;第二部分介绍了银行个人理财业务风险控制研究的理论基础,界定了相关概念并介绍了个人理财业务风险控制的相关理论,在此基础上从内涵、程序和方法等三个方面分析了银行个人理财业务风险控制理论框架;第三部分研究了 M银行个人理财业务风险控制的问题,对个人理财业务经营现状及产品体系进行介绍,分析了个人理财业务风险控制的现状以及存在的问题,在此基础上对M银行个人理财业务风险控制问题的成因进行了深入分析;第四部分针对M银行个人理财业务风险控制存在的问题及成因,从加大产品创新力度、提高理财团队专业性、确保信息公开透明、完善银行声誉风险管理制度和健全银行内部的风险控制机制等五个方面提出了 M银行个人理财业务风险控制的对策。最后为论文的结论与展望。本文的研究对象M银行在个人理财风险控制方面存在问题具有明显的行业代表性,因此本文提出的对策与解决方案对整个银行业也有重要的参考意义。
[Abstract]:With the rapid development of domestic economy and the improvement of the internationalization level of financial market, the management of personal assets has already broken through the category of traditional savings. In order to meet the needs of people for diversified asset allocation and value-added ways, bank personal finance business has been developed rapidly since 2004, and has brought real income and return to investors in more than ten years. In a narrow sense, the banking personal finance business is the sale of all kinds of financial products, and the broad sense of the banking personal financing business refers to the situation of the customer's assets, occupation, consumption and income. Combined with the comprehensive consideration of various factors such as customer risk tolerance, career objectives provide financial management, application, investment, planning and other service items for customers, and carry out follow-up execution, monitoring and adjustment. At present, personal financial management business has become an important business sector of the major banks, and as an off-balance-sheet business, it has enhanced the profitability of banks themselves. But the financial management business is also a kind of investment behavior, often closely related to the investment behavior is often the risk, accompanied by the personal banking business of the risk problem should not be underestimated. In this paper, the risk control of M bank's personal financial management is systematically studied by means of literature research, investigation and qualitative analysis. The paper mainly includes the following five parts: the first part is the introduction, mainly discusses the background and significance of this paper, the domestic and foreign research status of financial management business risk control, the research methods and structure of the paper, At the same time, the innovation and deficiency of the thesis are expounded. The second part introduces the theoretical basis of risk control of bank personal finance business, defines the related concepts and introduces the related theory of personal finance business risk control, on this basis from the connotation, This paper analyzes the theoretical framework of personal financial risk control in banks from three aspects: the procedure and the method. The third part studies the risk control of M bank's personal financial management business, introduces the current situation and product system of personal financial management business, and analyzes the present situation and existing problems of personal financial management business risk control. On this basis, the paper deeply analyzes the causes of the risk control of M bank's personal financial management business. In the fourth part, aiming at the problems and causes of the risk control of M bank's personal financial management business, from increasing the strength of product innovation, improving the professionalism of the financial management team, we can ensure the transparency of the information. This paper puts forward the countermeasures of M bank personal finance risk control from five aspects: perfecting the bank reputation risk management system and perfecting the risk control mechanism within the bank. Finally, the conclusion and prospect of the paper. The research object of this paper is M bank, which has obvious representative problems in personal financial risk control. Therefore, the countermeasures and solutions proposed in this paper are also of great reference significance to the whole banking industry.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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