我国商业银行理财业务风险分析研究——针对结构性理财产品的风险分析.pdfVIP

万方数据 万方数据 我国商业银行个人理财业务风险研究 ——基于结构性理财产品的风险分析 摘要 结构性理财产品对我国商业银行来说属于舶来品，在我国正式发 行于2004 年，丰富了我国商业银行个人理财业务产品种类，活跃了 国内金融市场，为国内商业银行提供了一个新的利润增长点，受到了 广大投资者的青睐。然而，随着全球金融危机的爆发，结构性理财产 品逐渐暴露出风险。近年来，我国商业银行发行的结构性理财产品零 收益状况频频发生，对银行和投资者都带来了一定的损失。 本文从我国商业银行结构性理财产品的相关概念及发展现状出 发，分析国内商业银行结构性理财产品的风险，并且指出产品收益问 题成为银行和投资者之间最重要也最为关注的风险,即零收益风险。 为了更好地防范国内商业银行结构性理财产品的风险，本文从银行服 务端、银行客户端和银行产品端三个方面对国内商业银行结构性理财 产品的风险起因作了详细分析，针对起因，本文为了更好发展我国商 业银行结构性理财产品的对策包括提升银行工作人员综合素质，提高 银行服务水平，完善银行管理体系，增强产品创新设计能力；优化客 户风险评估系统，加强客户金融知识教育；完善法律法规制度，更好 地监督结构性理财产产品市场乃至国内商业银行理财业务市场。 关键词：国内商业银行，结构性理财产品，个人理财业务，风险研究 万方数据 THE RESEARCH OF COMMERCIAL BANK FINANCIAL PRODUCT RISK IN CHINA-BASED ON RISK OF STRCTUREDFINANCIAL PRODUCT ABSTRACT To Chinese Commercial Bank, structured product is import goods which issued 2004 first time. Structured product have proved particularly popular for potential high returns for clients and increase banks’ profitability as innovative financial instrument, thus, the banks worldwide are enthusiasticallyselling structuredproducts and the investors have great enthusiasm for investment.However, the outbreak of the global financial crisis made the proceeds crisis break out in the structured products market. Additionally, structured products’ zero proceeds were frequent, and this sounded the alarm for investors and commercial banks in China. This paper began with the basic concepts and its development. Then, based on the above, this paper analysis the relevant risks of structured products and point out ze