银行理财产品同质化问题和创新性研究
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
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