本文關(guān)鍵詞： 商業(yè)銀行 理財產(chǎn)品 風險管理　出處：《蘇州大學》2016年碩士論文　論文類型：學位論文

【摘要】：隨著我國經(jīng)濟的發(fā)展、居民可支配財富的增加,人們對于手中資金的投資需求便應(yīng)運而生。尤其是在通貨膨脹的背景下,人民對于財富更是有保值增值的需求。自2005年銀監(jiān)會頒布《商業(yè)銀行個人理財業(yè)務(wù)管理暫行辦法》以來,商業(yè)銀行理財業(yè)務(wù)迅猛發(fā)展,一方面固然是居民投資理財需求的“井噴式”的釋放,另一方面也有銀行表內(nèi)資金轉(zhuǎn)表外的推波助瀾。截至2015年底,全國共有426家銀行業(yè)金融機構(gòu)有存續(xù)理財產(chǎn)品,合計60879只,理財資金余額23.5萬億,而這一余額在2012年還僅有7.1萬億。伴隨理財產(chǎn)品規(guī)模提升的還有理財產(chǎn)品的風險。據(jù)Wind資訊數(shù)據(jù)顯示,2012年到期的銀行理財產(chǎn)品公布到期實際收益率的1021款產(chǎn)品中有211款產(chǎn)品未實現(xiàn)預(yù)期收益。西南財經(jīng)大學信托與理財研究所發(fā)布的《部分結(jié)構(gòu)性產(chǎn)品虧損現(xiàn)象依舊投資者需謹慎選擇》研報顯示,在2013年2974款結(jié)構(gòu)性理財產(chǎn)品中,有86.17%的產(chǎn)品實現(xiàn)了最高預(yù)期收益率,有13.6%的產(chǎn)品實現(xiàn)了最低預(yù)期收益率。然而該研報表示,這并不能說明結(jié)構(gòu)性產(chǎn)品風險減小,而是部分銀行只公布到期收益較好的產(chǎn)品,對收益表現(xiàn)較差的產(chǎn)品的到期信息則進行隱藏,事實上這樣的行為在業(yè)內(nèi)并不少見。因此,加強我國商業(yè)銀行理財產(chǎn)品的風險控制和研究,對商業(yè)銀行具有重要意義。本文通過對A銀行理財產(chǎn)品進行研究,分析理財產(chǎn)品風險的類型和成因,尋求風險控制的管理辦法,從而提升商業(yè)銀行自身風險監(jiān)管體系建設(shè),提高商業(yè)銀行理財人員的整體業(yè)務(wù)水平,這對于促進商業(yè)銀行理財業(yè)務(wù)的健康發(fā)展有著重要意義。
[Abstract]:With the development of China's economy, increasing household disposable wealth, people will come into being in the hands of capital investment needs. Especially in the context of inflation, more and more people are increasing the value of the demand for wealth. Since 2005, the CBRC promulgated the "commercial bank personal financial business management Interim Measures" since the rapid development of business the banking business, on the one hand is the residential investment demand "blowout" release, on the other hand there are fueling the bank in the form of funds transfer sheet. By the end of 2015, a total of 426 banking financial institutions have continued financial products, total 60879, financial fund balance 23 trillion and 500 billion, and this a balance in 2012 only 7 trillion and 100 billion. With the scale of financial products and increase the risk of financial products. According to Wind information data show that the bank financial products announced 2012 due to expire The actual rate of return of 1021 products there are 211 products did not achieve the expected benefits. "Part of structured products issued by the Southwestern University of Finance and Economics loss phenomenon and financial trust research still need to be cautious investors select > Research Report shows that in 2013, 2974 models of structured financial products, 86.17% products have achieved the highest expected rate of return, 13.6% the product to achieve the minimum expected rate of return. However, the research report said, this does not mean that the risk of structured products is reduced, but some banks only announced maturity yield better products, to return to the poor performance of the product information is hidden, in fact this is not uncommon in the industry. Therefore, strengthen my financial products commercial bank risk control and research, has important significance to commercial banks. Based on the research of A bank financial products, analysis of the risk of financial products category It is of great significance to promote the healthy development of commercial banks' financial management by improving the risk management system and improving the overall business level of financial managers.

【學位授予單位】：蘇州大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.2

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