商业银行高息揽储手段与风险探究.pdfVIP

目 录 摘 要III AbstractI 引言1 1 研究背景及意义2 1.1 研究背景 2 1.2 研究意义 2 2 商业银行高息揽储手段3 2.1 高息揽储形式多样化 3 2.2 高息揽储的新形势—理财产品3 2.3 高息揽储越来越隐蔽 4 3 商业银行高息揽储的原因分析5 3.1 资金的“稀缺性” 5 3.2 金融市场发展迟缓，投资渠道不畅 6 3.3 经济的高增长需要大量资金的支持 6 3.4 管理者缺乏法律意识 6 4 高息揽储的金融风险7 4.1 增加了银行的经营风险 7 4.2“恶币驱除良币” 的后果—金融秩序的崩溃 8 5 制止高息揽储的建议9 5.1 改革体制是根本 9 I 5.2 惩治要追本溯源9 5.3 加大舆论宣传 9 5.4 加强与人行的合作 10 结 论11 参考文献：12 致谢13 II 商业银行高息揽储手段与风险研究 摘 要 本课题重点研究商业银行年终高息揽储的原因和存在的风险。通过分析我国商业银行 高息揽储的现状并结合我国金融体制的相关特征和金融学有关理论，分析我国商业银行高 息揽储的原因，同时根据金融风险管理的相关理论，分析商业银行高息揽储的银行风险的 种类，最后提出抑制商业银行高息揽储的对策。 关键词：商业银行;高息揽储;银行风险;手段 III Study of The Means And Risks of Commercial Bank To Attract Deposit At High Interest Abstract This thesis mainly focuses on the causes and risks of commercial banks to attract deposit at high interest in the end of the year. By analyzing the status of Chinas commercial banks to attract deposit at high interest, combined with the study of the relevant characteristics of Chinas financial system and the theory on financial, and at the same time analyzing the reason of Chinas commercial banks to attract deposit at high interest according to the theory of financial risk management, and analyzing the types of bank risks to attract deposit at high interest. Finally, proposing remedial measures for bringing down commercial banks to attract deposit at high interest. Keywords ：Commercial banks;To attract deposit at high interest; Bank risk; Means