發(fā)布時間：2018-03-24 23:16

  本文選題：個人理財產品　切入點：創(chuàng)新　出處：《哈爾濱工程大學》2012年碩士論文

【摘要】：隨著我國社會主義市場經濟的高速發(fā)展，國民對于理財?shù)男枨笕找嫫惹�，銀行個人理財產品的發(fā)行呈爆發(fā)性增長態(tài)勢，市場競爭日益激烈。在這激烈的理財市場競爭中，理財產品創(chuàng)新成為各個商業(yè)銀行的工作重點，也使得理財市場空前繁榮。然而在這繁榮背后由于創(chuàng)新所帶來的監(jiān)管問題也不應被忽視，例如在信息披露、風險預警機制和分業(yè)監(jiān)管所帶來的協(xié)調問題等方面都存在著不程度的監(jiān)管不足或監(jiān)管空白。所以本文以銀行個人理財產品的創(chuàng)新作為切入點，結合我國的社會主義市場經濟特色，借鑒發(fā)達國家對銀行個人理財產品的監(jiān)管經驗，深入分析和總結個人理財產品創(chuàng)新與監(jiān)管的博弈關系，為建立和完善我國金融市場提出建議和制度構想。 本文共分為五個章節(jié)，第一章是緒論部分，主要是對研究的背景、目的和意義進行闡述，并對閱讀的相關文獻進行綜述。 第二章對銀行個人理財產品的相關基礎內容進行概述。內容主要包括區(qū)分銀行個人理財產品的定義，銀行個人理財產品的分類和在我國的發(fā)展現(xiàn)狀等。本章的寫作目的是由于在我國銀行個人理財產品起步較晚，對于理財產品的概念也十分模糊，所以通過對個人理財產品基礎內容的全面分析，為展開后文的論述打下良好基礎。 第三章是國外對銀行個人理財產品監(jiān)管制度的研究很借鑒。發(fā)達國家對于銀行個人理財行業(yè)的發(fā)展較早，監(jiān)管經驗也十分豐富。我國發(fā)展個人理財業(yè)務比較晚，可以說是近二十年的事前，對其監(jiān)管而言就更顯稚嫩，所以通過對外國理財市場監(jiān)管的比較分析，可以為建立中國特色的個人理財監(jiān)管制度尋求一條更為便捷的道路。 第四章重點分析了我國銀行個人理財產品創(chuàng)新的現(xiàn)狀和存在的監(jiān)管問題。從銀行個人理財產品創(chuàng)新的目的、意義和方法入手，深刻總結我國立法現(xiàn)狀，找出存在的監(jiān)管缺失和可能產生的不良影響。 最后一章尋求用博弈學基礎原理分析創(chuàng)新和監(jiān)管之間的互動關系，，從根本的制度設計出發(fā)，分析如何在監(jiān)管的過程中既能保證市場平又有不抹煞銀行業(yè)對創(chuàng)新的積極性，同時提出監(jiān)管制度完善的路徑與方法。
[Abstract]:With the rapid development of socialist market economy in China, the demand for financial management is becoming increasingly urgent. The issuance of personal financial products of banks is in an explosive growth trend, and the market competition is becoming increasingly fierce. In this fierce financial market competition, Financial product innovation has become the focus of various commercial banks, and has made the financial management market unprecedented prosperous. However, the regulatory problems brought about by innovation behind this boom should not be ignored, for example, in the disclosure of information. The risk warning mechanism and the coordination problems brought about by the separate supervision have no degree of inadequate supervision or regulatory blank. Therefore, this paper takes the innovation of personal financial products of banks as the starting point. Based on the characteristics of socialist market economy in China and the experience of the developed countries in the supervision of bank personal financial products, this paper analyzes and summarizes the game relationship between the innovation of personal financial products and the supervision. In order to establish and improve the financial market in China put forward suggestions and institutional ideas. This paper is divided into five chapters, the first chapter is the introduction, mainly to the background, purpose and significance of the study, and to review the relevant literature. The second chapter summarizes the basic contents of bank personal financial products, including the definition of bank personal financial products. The purpose of this chapter is that the personal financial products of banks start late in China, and the concept of financial products is also very vague. Therefore, through the overall analysis of the basic content of personal finance products, lay a good foundation for the following discussion. The third chapter is the foreign research on the supervision system of bank personal finance products. The developed countries developed the banking personal finance industry earlier, and the supervision experience is also very rich. It can be said that in the past twenty years, it is more immature for its supervision, so through the comparative analysis of the supervision of foreign financial markets, we can find a more convenient way to establish the supervision system of personal finance with Chinese characteristics. The fourth chapter focuses on the analysis of the current situation and existing supervision problems of personal financial product innovation in China's banks, starting with the purpose, significance and methods of bank personal finance product innovation, and summarizing the current legislative situation of our country deeply. Identify regulatory deficiencies and possible adverse effects. The last chapter seeks to analyze the interactive relationship between innovation and supervision with the basic principles of game theory, and from the basic system design, analyzes how to ensure the market level and not obliterate the enthusiasm of the banking industry for innovation in the process of supervision. At the same time, it puts forward the ways and methods to perfect the supervision system.
【學位授予單位】：哈爾濱工程大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：D922.281;F832.2

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