我国商业银行理财产品存在的问题及对策分析

我国商业银行理财产品存在的问题及对策分析(论文14000字)
The commercial bank of China financial analysis on problems and countermeasures   
摘　   要
从第一款理财产品的出现到现在，我国的商业银行理财业务发展还不足十年，与理财业务相关的法规，制度还不是十分完善。因此维护金融系统的稳定、促进市场健康发展，是在理财产品的快速发展的过程中，函须处理好的问题;同时在理财业务的发展过程中，必然会伴随着不规范的行为，比如说从微观的角度来看，目前存在一种现象，很多银行工作人员在销售理财产品时，
并没有十分清楚的说明风险，而且购买理财产品的很多市民本身也没有对风险有很好的认识，单纯的认为银行会对损失有所担保。这样积聚了很大的危机，一旦出现损失，投资者对于商业银行出现信任危机，对银行业的发展会造成极大的危害。要避免这种种危害，就要发现这些危害，及造成这些危害的原因，找到一个更好的方式去防患于未然。对于目前己经出现的问题，还没有出现的问题都需要及时发现，并找到解决办法。再者，我国银行业放开的程度加大，在于国际银行业竞争的过程中，我国商业银行的盈利模式，管理方式，都迫切的需要改变。本文对商业银行理财业务中的理财产品在发展过程中己经出现的，及将会出现的问题进行了分析，并提供了一些解决问题的办法。

关键词：商业银行  对策  理财产品

ABSTRACT
Wealth management products in the first paragraph from the year 2004 to now, our country commercial bank financing business development for less than ten years, with the financial business related laws and regulations, system is not very perfect. Thus maintaining the stability of the financial system, promote the healthy development of the market, is in the process of the rapid development of the financial product, letter should be good to deal with problems; In the process of financing business development at the same time, inevitably accompanied by non-standard behavior, for example from the microcosmic point of view, there is a kind of phenomenon, many bank staff in sales of financial products,
Is not very clear that risk, and many residents purchase financial product itself has a good knowledge of risk, simple think the bank will guarantee on the loss. So have accumulated a lot of crisis, once appear losses, investors to trust crisis, commercial Banks can cause great harm to the development of the banking sector. To avoid this kind of harm, we should find these hazards, and the causes of these risks, find a better way to nip in the bud. For the present has the problem, there is no problem need to be found in time, and find a solution. Furthermore, let go of the extent of the increase in China's banking industry, is in the process of the international banking competition, the profit pattern of China's commercial Banks, management style, is urgent needs to change. In this paper, the commercial bank financing business in wealth management products has appeared in the process of development, and there will be problems are analyzed, and provides some solution to the problem.

Key Words: commercial banks countermeasures   financial products

目    录
1 商业银行理财产品相关概念    1
1.1 商业银行理财产品定义    1
1.2 商业银行理财产品种类    2
1.3 商业银行理财产品作用    4
1.3.1发展理财产品是商业银行生存和发展的内在要求    4
1.3.2发展理财产品是我国银行业市场化、商业化的重要途径    4
1.3.3大力发展理财产品可防范化解经营风险    5
2 我国商业银行理财产品的发展现状    5
2.1 我国商业银行理财产品发展规模    5
2.2 我国商业银行理财产品的特点    5
2.2.1信托贷款类产品成为理财市场的主导    5
2.2.2公益性、专属性创新产品彰显理财业务价值    6
2.2.3产品预期年化收益率更趋规范合理    6
2.2.4产品短期化趋势更为显着，期限结构日臻完善    7
2.2.5理财业务分层服务体系逐步构建，财富管理职能日益凸显    7
2.3 我国商业银行理财产品的发展趋势    7
3 我国商业银行理财产品发展存在的问题    8
3.1 理财产品种类多但结构不够合理    8
3.2 部分投资者对银行理财产品风险的认知存在偏差    9
3.3 理财产品信息披露机制不健全    9
3.4 商业银行理财业务监管工作有待加强    9
4 我国商业银行应对问题的对策    10
4.1 加大商业银行理财产品在结构方面的转型力度    10
4.2 加强投资者教育，纠正投资者的认识偏差    11
4.3 建立健全监管文件体系，规范商业银行理财产品运作管理    11
4.4 强化对银行理财产品的监管    12
4.4.1必须纳入宏观审慎监管的战田各框架    12
4.4.2建立对商业银行理财产品监管的统一权威的统计分类标准    13
5 结语    13
参考文献    14
谢辞    16