本文關(guān)鍵詞：我國商業(yè)銀行理財產(chǎn)品風(fēng)險控制研究　出處：《遼寧師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著我國國民經(jīng)濟持續(xù)、穩(wěn)定的發(fā)展，居民物質(zhì)財富的增加，生活條件的改善，人們對于個人理財業(yè)務(wù)的需求越來越強烈。1996年，中信銀行率先設(shè)立“私人理財中心”，同年，工商銀行上海分行推出多種理財服務(wù)項目，其中包含理財咨詢、外匯買賣、存單質(zhì)押貸款等業(yè)務(wù)，1998年工商銀行在多個大中型城市開展理財試點業(yè)務(wù)，讓人們真正開始了解和接受銀行理財產(chǎn)品，商業(yè)銀行的理財產(chǎn)品以其較低風(fēng)險、高于儲蓄存款的利率，受到人們的廣泛認(rèn)可。經(jīng)過多年發(fā)展我國商業(yè)銀行個人理財業(yè)務(wù)，已經(jīng)取得一定成績，但是國內(nèi)商業(yè)銀行的理財從業(yè)人員，具備CFP國際職業(yè)資格認(rèn)證的從業(yè)者寥寥無幾，不能進行深層次理財服務(wù)，缺乏對理財產(chǎn)品風(fēng)險控制方面的專業(yè)知識，忽視理財產(chǎn)品自身存在的風(fēng)險。2008年，美國次貸危機引發(fā)全球金融危機，各國股價大幅下跌，國內(nèi)商品價格波動嚴(yán)重，部分商業(yè)銀行的理財產(chǎn)品呈現(xiàn)零收益率的情況，有些產(chǎn)品甚至處于負(fù)收益的狀態(tài)。因此，加強我國商業(yè)銀行理財產(chǎn)品的風(fēng)險控制和研究，對國內(nèi)商業(yè)銀行和監(jiān)管部門具有重要的指導(dǎo)意義。 本文介紹了目前國內(nèi)商業(yè)銀行理財產(chǎn)品市場銷售量呈逐年上漲的趨勢，受到人們的認(rèn)可和追捧，總結(jié)歸納出不同類型理財產(chǎn)品的特點以及產(chǎn)品之間存在的區(qū)別。通過研究我國商業(yè)銀行理財產(chǎn)品的發(fā)展現(xiàn)狀和發(fā)達(dá)國家商業(yè)銀行理財業(yè)務(wù)的發(fā)展模式，深刻的認(rèn)識到我國商業(yè)銀行與發(fā)達(dá)國家銀行在理財業(yè)務(wù)上存在的差距，因此，國內(nèi)商業(yè)銀行需要加強自身風(fēng)險監(jiān)管體系的建設(shè)，，提升商業(yè)銀行理財人員整體業(yè)務(wù)水平，升級商業(yè)銀行理財產(chǎn)品業(yè)務(wù)信息系統(tǒng)，同時還需要健全我國資本金融機構(gòu)的監(jiān)管立法體系，提高我國金融業(yè)監(jiān)管機構(gòu)之間協(xié)調(diào)合作的積極性，增強對金融業(yè)投資者的保護力度。
[Abstract]:With China's sustained and stable development, increasing people's material wealth, the improvement of living conditions, people demand for personal financial services has become more and more strong.1996 years, CITIC Bank pioneered the establishment of private finance center ", the same year, industrial and Commercial Bank of China Shanghai branch launched a variety of financial services, including consulting, foreign exchange the sale, hypothecated loan business, 1998 industrial and commercial bank to carry out financial pilot operations in a number of large and medium-sized city, so people began to understand and accept the bank financial products, commercial bank financial products with lower risk, higher savings rates, widely recognized by the people. After years of development of personal financial business in China commercial banks have already made certain achievements, but the domestic commercial bank financial practitioners, practitioners have scanty CFP international occupation qualification, not Can the deep financial services, lack of professional knowledge of financial products, risk control, ignore financial products own existence risk of.2008 years, the U.S. subprime mortgage crisis triggered the global financial crisis, the share price fell sharply, domestic commodity prices fluctuate seriously, part of commercial bank financial products has zero yield, even some products in a state of negative income. Therefore, to strengthen the financial products in China's commercial bank risk control and research, has the important guiding significance on the domestic commercial banks and regulatory authorities.
This paper introduces the current domestic commercial bank financial products market volume was gradually rising trend, people have recognized and sought after, summed up the difference between the characteristics of different types of financial products and product development model. By studying the development situation of China's commercial banks financial products and financial services of commercial banks in developed countries, profound to recognize the existence of management in the business of China's commercial banks and banks in developed countries the gap, therefore, domestic commercial banks need to strengthen the construction of their own risk supervision system, enhance the financial management of commercial banks overall business level, upgrading of commercial bank financial products business information system, but also need to improve the legislative system of China's capital financial institutions. The enthusiasm of the coordination and cooperation between improving Chinese financial supervision mechanism, strengthen investor protection of the financial industry.

【學(xué)位授予單位】：遼寧師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

【共引文獻(xiàn)】

相關(guān)期刊論文 前1條

1 張俊;;城鎮(zhèn)家庭投資理財風(fēng)險及對策淺析[J];知識經(jīng)濟;2014年04期

相關(guān)碩士學(xué)位論文 前6條

1 滿亮;X銀行哈爾濱分行個人理財業(yè)務(wù)發(fā)展戰(zhàn)略研究[D];黑龍江大學(xué);2013年

2 陳雁;論商業(yè)銀行個人理財業(yè)務(wù)中金融消費者權(quán)益的法律保護[D];廈門大學(xué);2014年

3 陳善斌;我國商業(yè)銀行個人理財業(yè)務(wù)風(fēng)險防范研究[D];吉林大學(xué);2014年

4 趙峰;招商銀行蘭州分行個人理財產(chǎn)品營銷研究[D];蘭州大學(xué);2014年

5 陳曉嫣;我國大型商業(yè)銀行發(fā)展個人理財規(guī)劃業(yè)務(wù)的研究[D];蘇州大學(xué);2014年

6 張倩;我國商業(yè)銀行個人理財業(yè)務(wù)發(fā)展研究[D];四川師范大學(xué);2014年

本文編號：1360003