【摘要】：近年來(lái),隨著股票投資市場(chǎng)的持續(xù)低迷和樓市調(diào)控效果的逐漸顯現(xiàn),越來(lái)越多的投資者開(kāi)始關(guān)注并且投資銀行理財(cái)產(chǎn)品。同時(shí),各家商業(yè)銀行發(fā)售理財(cái)產(chǎn)品的數(shù)量和規(guī)模也呈現(xiàn)“井噴”式增長(zhǎng)。然而,銀行理財(cái)產(chǎn)品在我國(guó)發(fā)展時(shí)間相對(duì)較短,國(guó)內(nèi)對(duì)銀行理財(cái)產(chǎn)品的理論研究特別是銀行理財(cái)產(chǎn)品運(yùn)作模式的研究有限。美國(guó)次貸危機(jī)之后,各國(guó)商業(yè)銀行普遍開(kāi)始重視理財(cái)基礎(chǔ)資產(chǎn)的優(yōu)質(zhì)性和金融產(chǎn)品運(yùn)作模式的安全性。我國(guó)銀行理財(cái)產(chǎn)品正處于從起步走向成熟的關(guān)鍵階段,在追求銀行理財(cái)產(chǎn)品數(shù)量上高速發(fā)展的同時(shí),更應(yīng)該注重銀行理財(cái)產(chǎn)品運(yùn)作模式的創(chuàng)新性和安全性,以及如何在提高收益穩(wěn)定性的同時(shí)最大程度的降低投資風(fēng)險(xiǎn)。 針對(duì)以上問(wèn)題,本文首先對(duì)銀行理財(cái)產(chǎn)品的相關(guān)概念和我國(guó)銀行理財(cái)產(chǎn)品的發(fā)展歷程進(jìn)行了研究,以便清楚的了解我國(guó)銀行理財(cái)產(chǎn)品的發(fā)展?fàn)顩r并完善理論依據(jù)。其次,對(duì)三種主要的銀行理財(cái)產(chǎn)品運(yùn)作模式逐一進(jìn)行了研究,論述了各類理財(cái)產(chǎn)品運(yùn)作模式的特點(diǎn)以及相關(guān)政策法規(guī)對(duì)其發(fā)展模式的影響。在分析方法上,采用了歸納演繹和舉例說(shuō)明的方法。第三,對(duì)三種理財(cái)產(chǎn)品的風(fēng)險(xiǎn)和收益特征進(jìn)行了分析,著重運(yùn)用Markowitz證券投資組合模型對(duì)掛鉤型理財(cái)產(chǎn)品的“結(jié)構(gòu)化”運(yùn)作模式進(jìn)行了研究。最后,文章對(duì)上述三種銀行理財(cái)產(chǎn)品運(yùn)作模式中出現(xiàn)的問(wèn)題進(jìn)行了分析,并提出了改善意見(jiàn)。同時(shí)介紹了美國(guó)銀行理財(cái)業(yè)務(wù)的發(fā)展經(jīng)驗(yàn),并對(duì)完善監(jiān)管體制提出了看法。
[Abstract]:In recent years, with the continuous downturn of the stock investment market and the gradual appearance of the property market regulation effect, more and more investors begin to pay attention to and invest in banking financial products. At the same time, the number and size of financial products sold by commercial banks also showed a "blowout" growth. However, the development time of banking financial products in China is relatively short, and the theoretical research on banking financial products, especially the operation mode of banking financial products, is limited in China. After the subprime mortgage crisis, commercial banks all over the world began to attach importance to the quality of basic assets and the security of financial products. The banking financial products of our country are in the critical stage from the beginning to the maturity. While pursuing the rapid development of the quantity of the banking financial products, we should pay more attention to the innovation and security of the operation mode of the banking financial products. And how to improve the return stability while minimizing investment risk. Aiming at the above problems, this paper first studies the related concepts of banking financial products and the development of banking financial products in China, in order to clearly understand the development of banking financial products in China and improve the theoretical basis. Secondly, the paper studies the three main banking financial product operation modes one by one, and discusses the characteristics of each kind of financial management product operation model and the influence of relevant policies and regulations on its development model. In the analysis method, the method of inductive deduction and illustration is adopted. Thirdly, the risk and income characteristics of three kinds of financial products are analyzed, and the "structured" operation mode of linked financial products is studied by using Markowitz portfolio model. Finally, the paper analyzes the problems in the above three kinds of banking products, and puts forward some suggestions for improvement. At the same time, it introduces the development experience of American bank's financial management business, and puts forward some opinions on how to perfect the supervision system.
【學(xué)位授予單位】：長(zhǎng)春理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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本文編號(hào)：2376526