本文選題：理財產(chǎn)品 + 銀信合作��； 參考：《西南財經(jīng)大學》2013年碩士論文

【摘要】：隨著我國經(jīng)濟的快速發(fā)展,居民收入水平的有著較大幅度的提高,但是由于投資渠道和資格的限制,使投資者止步于不少領域,加之國內(nèi)物價水平的不斷上升,商業(yè)銀行微薄的儲蓄利率已經(jīng)無法滿足投資者的投資需求了,市場急需專業(yè)的理財機構(gòu)為投資者管理資產(chǎn),銀行理財產(chǎn)品應運而生。商業(yè)銀行理財產(chǎn)品的出現(xiàn)為投資者提供了能夠參與更廣泛的市場的機會,使投資者能夠分享各經(jīng)濟領域發(fā)展所帶來的收益。 商業(yè)銀行理財產(chǎn)品是商業(yè)銀行針對客戶的需求而提供的專業(yè)的理財計劃。從2004年光大銀行發(fā)行第一款人民幣理財產(chǎn)品開始,我國的理財產(chǎn)品市場已經(jīng)發(fā)展近十年了,從最初每年發(fā)行幾百款理財產(chǎn)品到2011年年底發(fā)行共2萬款理財產(chǎn)品,短短的幾年時間里,理財產(chǎn)品市場出現(xiàn)了爆發(fā)式增長,無論從發(fā)行銀行的數(shù)量、發(fā)行幣種、產(chǎn)品結(jié)構(gòu)設計方面都有了不少的進步,但是也存在不少的問題,比如各商業(yè)銀行設計的產(chǎn)品同質(zhì)化問題嚴重,結(jié)構(gòu)類理財產(chǎn)品發(fā)行數(shù)量較少,主要以信貸、利率類產(chǎn)品為主,產(chǎn)品的主要功能大致是為了躲避中央銀行貨幣政策對銀行信貸發(fā)行規(guī)模的控制,或者應付監(jiān)管機構(gòu)對季度末或者年終的資產(chǎn)負債的監(jiān)管而大量發(fā)行的變相“高息攬儲”的產(chǎn)品,真正為投資者提供專業(yè)化、個性化的理財服務類的產(chǎn)品較少,所以縱觀整個商業(yè)銀行的理財產(chǎn)品發(fā)行數(shù)量的變化,總是跟隨著一些金融市場的表現(xiàn)而大起大落,其次就是金融監(jiān)管機構(gòu)的政策動向的改變,往往會對理財產(chǎn)品的發(fā)行造成重大影響,如商業(yè)銀行通過與信托機構(gòu)的合作發(fā)行信貸類理財產(chǎn)品,將銀行自身貸款打包出售給投資者,以優(yōu)化銀行的資產(chǎn)負債結(jié)構(gòu),但是銀行的這種行為可能會出現(xiàn)道德風險問題,對投資者的利益造成損害,也會影響整個金融系統(tǒng)的穩(wěn)定,所以監(jiān)管機構(gòu)出臺政策限制了銀行與信托的這種合作,這對當年理財產(chǎn)品的發(fā)行數(shù)量有較大影響。所以對于商業(yè)銀行來說,規(guī)避監(jiān)管成為產(chǎn)品創(chuàng)新的主旋律,自主創(chuàng)新的動因明顯不足。 本文將通過對我國商業(yè)銀行理財產(chǎn)品市場的發(fā)展進行回顧,介紹目前我國理財產(chǎn)品產(chǎn)生的原因、發(fā)展歷程以及目前國內(nèi)理財產(chǎn)品的種類,然后通過2005年到2011年共6年的的數(shù)據(jù)來對我國理財產(chǎn)品的發(fā)行數(shù)量、發(fā)行主體進行分析,歸納總結(jié)從05年開始我國理財產(chǎn)品從數(shù)量、發(fā)行主體、發(fā)行幣種等多個方面的變化,并針對各個變化試圖找出背后的原因,本文最后將提出對我國理財產(chǎn)品市場改良的政策建議。
[Abstract]:With the rapid development of China's economy, the income level of the residents has been greatly improved. However, due to the restrictions on investment channels and qualifications, investors have stopped in many fields, and the domestic price level has been rising continuously. The low deposit interest rate of commercial banks has been unable to meet the investment needs of investors, the market urgently needs professional financial institutions to manage assets for investors, and banking financial products emerge as the times require. The emergence of commercial bank financial products provides investors with the opportunity to participate in a wider market and enable investors to share the benefits brought by the development of various economic fields. Commercial bank financial products is a professional financial plan that commercial banks provide to meet the needs of customers. Since Everbright Bank issued the first RMB financial products in 2004, China's financial management product market has been developing for nearly a decade. From the initial issuance of hundreds of financial products a year to the end of 2011, a total of 20,000 financial products were issued. In a short period of several years, the financial management product market has seen explosive growth. No matter in terms of the number of issuing banks, the issuing currencies, and the design of the product structure, there has been a lot of progress, but there are also many problems. For example, the problems of homogenization of products designed by commercial banks are serious, and the number of structural financial products issued is relatively small, mainly in the form of credit and interest rate products. The main function of the products is roughly to evade the central bank monetary policy control on the size of bank credit issuance, or to deal with the supervision of the end of the quarter or year-end assets and liabilities issued a large number of products disguised as "high-interest" products. There are fewer products that really provide professional and personalized financial services to investors, so throughout the whole commercial bank, the number of financial products issued changes, always following the performance of some financial markets and ups and downs. Secondly, changes in the policy trends of financial regulators often have a significant impact on the issuance of financial products, such as the issuance of credit products by commercial banks in cooperation with trust agencies. They sell their own loans to investors in a package to optimize their balance sheet structure, but such behaviour can lead to moral hazard, damage to investors' interests, and the stability of the financial system as a whole. So regulators' policy limits the cooperation between banks and trusts, which has a big impact on the number of wealth management products issued that year. Therefore, for commercial banks, circumventing regulation has become the main theme of product innovation, and the motivation of independent innovation is obviously insufficient. This paper will review the development of the financial products market of commercial banks in China, introduce the reasons, the development process and the types of financial products in China. Then through the data of six years from 2005 to 2011 to analyze the number of financial products issued in our country, the main body of the issue, and summarize the changes in the number, the main body, the currency, etc., of the financial products in our country from 2005 to 2005. Aiming at the reasons behind these changes, this paper will put forward some policy suggestions to improve the market of financial management products in China.
【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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