银行理财产品同质化问题和创新性研究

摘要我国商业银行理财产品销售情况异常火爆，原因在于，理财市场的飞速发展和居民理财需求的不断扩大。但繁荣的背后也存在一定的问题，即银行理财产品日趋同质化。首先，本文对银行理财产品简要概述并分类总结，然后提出我国商业银行理财产品存在同质化问题。通过历史数据的收集与分析，浅析理财产品存在收益方式、预期收益率、基础资产等同质化表现。分析得出我国分业经营和监管的模式一定程度限制了理财产品的创新，银行缺乏独立的定价能力、匮乏的人才资源也阻碍着理财产品差异化的进程。最后，本文从宏观的金融体制改革和微观的银行层面提出相关建议，这对于加强我国商业银行业务创新、提高理财产品购买者的权益具有一定的现实意义。45235
关键词：理财产品；同质化；金融创新
Abstract
In 2014,China's commercial banks financial products have been sold boomingly because of the rapid development of financial markets and the expanding of residents’ demand for financing. But behind the prosperity there are some problems that are namely increasing homogenization of banks financial products. This article first summarizes the classification of banks financial products，and then propose the homogenization problems that exist in the banks financial products. Through the collection and analysis of historical data，it simply analyses the existence of income approach of financial products， expected yield，and the performance of the underlying assets，such as homogenization. The results of the analysis show that separate management and supervisory model to some extent limit the innovative financial products， and the lack of an independent pricing power of banks，lack of human resources also hamper the process of financial product differentiation. Finally， this paper presents recommendations from the bank's financial order and reform of macro and micro level banks，to provide a reference for promoting the healthy and orderly development of China's commercial banks financial products market.
Key words：Financial　products； Homogenization； Financial Innovation
目    录
摘要    I
Abstract    II
一、    绪论    1
(一)研究背景和意义    1
(二)国内外研究现状    2
(三)研究思路和研究方法    3
二、我国商业银行理财产品概述    4
(一)商业银行理财产品概念    4
(二)商业银行理财产品分类    4
三、我国商业银行理财产品同质化表现    6
(一)收益方式同质化    6
(二)预期收益率同质化    7
(三)基础资产同质化    7
(四)结构期限同质化    8
(五)发行币种同质化    9
四、我国商业银行理财产品同质化原因    10
(一)利率市场化    10
(二)银行理财产品需求调研不足    10
(三)现行金融监管体制限制    10
(四)金融市场发展深度限制    11
(五)银行理财产品定价能力缺失    11
(六)银行理财产品设计权利集中    12
(七)银行理财产品人才稀缺    12
五、我国商业银行理财产品创新的相关性建议    12
(一)基于银行理财产品经营理念和营销理念的创新    12
(二)顺应利率市场化进程，加快理财产品转型    13
(三)针对创新主体不同特点实施分类监管    13
(四)改革理财产品设置模式    13 银行理财产品同质化问题和创新性研究:http://www.youerw.com/jingji/lunwen_46564.html