我国商业银行个人理财业务发展研究
摘要
随着我国经济持续的高速发展及人均收入水平不断的提高,我国居民的投资需求越来越强烈,传统的投资产品及渠道已无法满足我国居民的需要,而专业的理财需求则得到了增强,对此,各家商业银行也顺应潮流,大力发展个人理财业务,各种理财产品纷纷入市,个人理财产品的销售额逐年增加,我国商业银行个人理财业务呈现出快速发展的态势。而2005年底至2007年末的一轮波澜壮阔的大牛市,更是成就了理财产品的辉煌。但是,另一方面,受金融管理体制和金融法律制度等方面的制约,个人理财业务在国内的发展遇到了很多问题,个人理财业务的市场受到了限制。致使我国商业银行个人理财业务的发展远远落后于日益增长的市场需求,如何借鉴发达国家商业银行发展个人理财业务的经验,并结合我国目前商业银行个人理财的实际情况,探寻一条适合我国商业银行个人理财业务发展的道路,将我国商业银行个人理财业务做强、做大,是一个急需研究的课题。本论文以我国商业银行个人理财业务为研究对象,系统分析了我国商业银行个人理财业务的现状、金融危机对我国商业银行个人理财业务的影响、开展过程中出现的问题以及发达国家和地区商业银行发展个人理财业务的经验,并着重分析了我国商业银行的个人理财业务的风险防范问题,提出了我国商业银行发展个人理财业务所应采取的策略。
With China's rapid development and the increase of China's income per person, the investment demand of people in China is higher. The traditional investment product can not meet the need, so the professional finance demand get developed. After that, every commercial banks are joining in this trend and develop their private finance transact. On the other hand, there exists a round of bull market from the year of 2005 to the end of 2007, which serves as a push to the private finance industry. However, the private finance are blocked by the market in China and has met with some problems. The supply of such transact are far less its demand, which signifies us to borrow some advanced experience from some developed countries. Combining the current situation of our commercial banks, we should explore a new way which is suitable for private finance transact commercial banks in China. Therefore, it is our priority to make the private finance industry more stronger, more prominent.this paper is based on the subject of private finance transact in commercial banks, analyzing the current situation of private finance transaction, development, its relevant problems and risk countermeasures. We conceive the whole paper on the experience of developed countries and areas, and emphasize on the risk countermeasures of our private finance sector. Finally, we make relevant suggestion and propose the measures we should take
With China's rapid development and the increase of China's income per person, the investment demand of people in China is higher. The traditional investment product can not meet the need, so the professional finance demand get developed. After that, every commercial banks are joining in this trend and develop their private finance transact. On the other hand, there exists a round of bull market from the year of 2005 to the end of 2007, which serves as a push to the private finance industry. However, the private finance are blocked by the market in China and has met with some problems. The supply of such transact are far less its demand, which signifies us to borrow some advanced experience from some developed countries. Combining the current situation of our commercial banks, we should explore a new way which is suitable for private finance transact commercial banks in China. Therefore, it is our priority to make the private finance industry more stronger, more prominent.this paper is based on the subject of private finance transact in commercial banks, analyzing the current situation of private finance transaction, development, its relevant problems and risk countermeasures. We conceive the whole paper on the experience of developed countries and areas, and emphasize on the risk countermeasures of our private finance sector. Finally, we make relevant suggestion and propose the measures we should take
引文
②博迪,金融学,中国人民大学出版社,2006
③霍文文,个人理财,上海人民出版社,2006
[1]Stefan Buehler, Justus Haucap. Strategic Outsourcing Revisited[J]. Journal of Economic Behavior&Organization,2006,61:326.
[2]Barbara J. Spencer. International Outsourcing and Incomplete Contracts[J]. Canadian Journal of Economics,2005,38:1107-1135.
[3]Fitzgerald, Sean. SEPA steps up banks' outsourcing of payment services[J]. Banking Technology,2006(03):2.
[4]Wade, Will. Georgian Bank Outsourcing to Harland[J].American Banker,2006, 171(62):9
[5]Elias mazzawi. Transformational Outsourcing Business Strategy Review,2002,13(3):39
[6]Swiss Re.Bancassurance:A Survey of Competition between Banking and Insurance. Sigma NO.2/1992.p.4
[7]Elias Mazzawi. Transformational Outsourcing. Business Strategy Review,2002, 13(3):39.
[8]CEBS.外包高级原则(建议稿)[DB／OL].http://www.c-ebs.org/Consultation2papers/ CP02. htm. visited on Jan 1,2007.
[9]Outsourcing in Financial Services[W]. the consultative document of Basel Committee on Banking Supervision,2006 (9).
[10]Stefan Buehler, Justus Haucap. Strategic Outsourcing Revisited[J]. Journal of Economic Behavior & Organization,2006, (61):326.
[11]Barbara J Spencerl International Outsourcing and Incomplete Contracts [J]1Canadian Journal of Economics,2005,38 (4):101
[12]Michael E. Porter. Competitive Advantage [M], Free press, New York,1985.
[13]Deloitte. Offshoring and Cross-Border Outsourcing by Banks[M].2009.
[14]Michael Hammer, James Champy. Reengineering the Corporation:A Manifesto for Business Revolution[M]. NY:Harper Collins,2008.28-31
[15]Paul Krugman. Technology, Trade, and Factor Prices, NBER Working Papers 5355, National Bureau of Economic Research [R].Inc,1995.
[16]Ronald Coase. The Nature of the Firm:The Firm in the Market and the Law [M]. Chicago:University of Chicago Press,2008.28-30
[17]巴塞尔银行监管委员会、国际证监会组织、国际保险监督官协会、国际清算银行联合论坛.魏欣、李文龙译.国际商业银行个人理财分析[J].中国金融,2005,(13)：58-61
[18]田晓军.我国商业银行经营的启示[J],城市金融论坛,1999(6)：12-13
[19]刁孝华、朱永贵、陈华.现代商业银行服务体系与风险控制[M].重庆：重庆出版社,2002：15-17
[20]金子财、杜胜.建立我国个人理财业务监管制度[J],西安金融,2005(5)：58
[21]聂叶.银行再造：理论与实践.第一版.北京：中国金融出版社,2004：154-157
[22]金辉、杨帆.企业,你外包了吗?第一版.北京：中国时代经济出版社,2002：33-36
[23]彼得S.罗斯.商业银行管理.第一版.刘圆(译).北京：机械工业出版社,2004：49-54
[24]黄文胜,徐建新.商业银行个人理财的意义与策略.商业研究,2001(12)：96-98
[25]韩建军、蓝敏、毛刚.个人理财应注意的关键问题.经济师[J],2003(8)：21-22
[26]刘景江,刘桂华.浅论我国商业银行个人理财,经济问题[J],2004(2)：32-34
[27]潘家驰.打破个人理财坚冰[N],金融时报,2005年2月23日,第11期
[28]李蕊,迅速发展的个人理财[7].银行家,2006(7)：92-94
[29]赵智锋,彭磊.我国个人理财现状及完善建议[J],海南金融,2006.207(2)：20-23.
[30]周希凡,段兵.法国兴业银行个人理财的风险管理[J].农村金融研究,2006.(5)：28-30.
[31]周勇.外资银行个人理财悄然兴起[J].金融经济,2006.(2B)：52.
[32]中国银联.2005年国际个人理财市场概述[EB/OL].中国银联网站研究资讯,2006-12-15
[33]Rosemary Batt,刘湘敏.中国个人理财产业发展报告[J].客户世界,2006(9)：23-26
[34]徐海慧,中印将成金融服务外包全球中心[N].国际金融报,2006,07(03)：第1版
[35]筱琳,中国惠普为国家开发银行提供外包服务IN].中国信息报,2006,11(07)：第2版.
[36]柯颖,王述英.个人理财产业发展研究[J].国际金融研究,2006,06：32-37
[37]龚柏华.论中国承接金融服务外包相关法律问题[J].上海财经大学学报,2007,(2)：50-57
[38]郭英见.银行个人理财风险管理战略[J],2006年第1期.
[39]阮永平,王亚明我国商业银行经营模式的结构再造[J].上海金融,2006,(12)：30-32
[40]刘澜飚,彭砚.商业银行个人理财的国际监管[J].国际银行业,2006(2)：32-33
[41]万军,刘秀莲.世界产业结构发展及调整趋势[J].中国社会科学院院报,2006,(7)：28-29
[42]阮永平,王亚明.我国商业银行个人理财经营模式[J].上海金融,2006,(12)：29-31
[43]曾康霖,余保福.个人理财风险控制及其监管研究[J].金融论坛,2006,.
[44]刘华,国外的个人理财业务[J],现代商业银行,2003年(6)：20-25
③霍文文,个人理财,上海人民出版社,2006
[1]Stefan Buehler, Justus Haucap. Strategic Outsourcing Revisited[J]. Journal of Economic Behavior&Organization,2006,61:326.
[2]Barbara J. Spencer. International Outsourcing and Incomplete Contracts[J]. Canadian Journal of Economics,2005,38:1107-1135.
[3]Fitzgerald, Sean. SEPA steps up banks' outsourcing of payment services[J]. Banking Technology,2006(03):2.
[4]Wade, Will. Georgian Bank Outsourcing to Harland[J].American Banker,2006, 171(62):9
[5]Elias mazzawi. Transformational Outsourcing Business Strategy Review,2002,13(3):39
[6]Swiss Re.Bancassurance:A Survey of Competition between Banking and Insurance. Sigma NO.2/1992.p.4
[7]Elias Mazzawi. Transformational Outsourcing. Business Strategy Review,2002, 13(3):39.
[8]CEBS.外包高级原则(建议稿)[DB／OL].http://www.c-ebs.org/Consultation2papers/ CP02. htm. visited on Jan 1,2007.
[9]Outsourcing in Financial Services[W]. the consultative document of Basel Committee on Banking Supervision,2006 (9).
[10]Stefan Buehler, Justus Haucap. Strategic Outsourcing Revisited[J]. Journal of Economic Behavior & Organization,2006, (61):326.
[11]Barbara J Spencerl International Outsourcing and Incomplete Contracts [J]1Canadian Journal of Economics,2005,38 (4):101
[12]Michael E. Porter. Competitive Advantage [M], Free press, New York,1985.
[13]Deloitte. Offshoring and Cross-Border Outsourcing by Banks[M].2009.
[14]Michael Hammer, James Champy. Reengineering the Corporation:A Manifesto for Business Revolution[M]. NY:Harper Collins,2008.28-31
[15]Paul Krugman. Technology, Trade, and Factor Prices, NBER Working Papers 5355, National Bureau of Economic Research [R].Inc,1995.
[16]Ronald Coase. The Nature of the Firm:The Firm in the Market and the Law [M]. Chicago:University of Chicago Press,2008.28-30
[17]巴塞尔银行监管委员会、国际证监会组织、国际保险监督官协会、国际清算银行联合论坛.魏欣、李文龙译.国际商业银行个人理财分析[J].中国金融,2005,(13)：58-61
[18]田晓军.我国商业银行经营的启示[J],城市金融论坛,1999(6)：12-13
[19]刁孝华、朱永贵、陈华.现代商业银行服务体系与风险控制[M].重庆：重庆出版社,2002：15-17
[20]金子财、杜胜.建立我国个人理财业务监管制度[J],西安金融,2005(5)：58
[21]聂叶.银行再造：理论与实践.第一版.北京：中国金融出版社,2004：154-157
[22]金辉、杨帆.企业,你外包了吗?第一版.北京：中国时代经济出版社,2002：33-36
[23]彼得S.罗斯.商业银行管理.第一版.刘圆(译).北京：机械工业出版社,2004：49-54
[24]黄文胜,徐建新.商业银行个人理财的意义与策略.商业研究,2001(12)：96-98
[25]韩建军、蓝敏、毛刚.个人理财应注意的关键问题.经济师[J],2003(8)：21-22
[26]刘景江,刘桂华.浅论我国商业银行个人理财,经济问题[J],2004(2)：32-34
[27]潘家驰.打破个人理财坚冰[N],金融时报,2005年2月23日,第11期
[28]李蕊,迅速发展的个人理财[7].银行家,2006(7)：92-94
[29]赵智锋,彭磊.我国个人理财现状及完善建议[J],海南金融,2006.207(2)：20-23.
[30]周希凡,段兵.法国兴业银行个人理财的风险管理[J].农村金融研究,2006.(5)：28-30.
[31]周勇.外资银行个人理财悄然兴起[J].金融经济,2006.(2B)：52.
[32]中国银联.2005年国际个人理财市场概述[EB/OL].中国银联网站研究资讯,2006-12-15
[33]Rosemary Batt,刘湘敏.中国个人理财产业发展报告[J].客户世界,2006(9)：23-26
[34]徐海慧,中印将成金融服务外包全球中心[N].国际金融报,2006,07(03)：第1版
[35]筱琳,中国惠普为国家开发银行提供外包服务IN].中国信息报,2006,11(07)：第2版.
[36]柯颖,王述英.个人理财产业发展研究[J].国际金融研究,2006,06：32-37
[37]龚柏华.论中国承接金融服务外包相关法律问题[J].上海财经大学学报,2007,(2)：50-57
[38]郭英见.银行个人理财风险管理战略[J],2006年第1期.
[39]阮永平,王亚明我国商业银行经营模式的结构再造[J].上海金融,2006,(12)：30-32
[40]刘澜飚,彭砚.商业银行个人理财的国际监管[J].国际银行业,2006(2)：32-33
[41]万军,刘秀莲.世界产业结构发展及调整趋势[J].中国社会科学院院报,2006,(7)：28-29
[42]阮永平,王亚明.我国商业银行个人理财经营模式[J].上海金融,2006,(12)：29-31
[43]曾康霖,余保福.个人理财风险控制及其监管研究[J].金融论坛,2006,.
[44]刘华,国外的个人理财业务[J],现代商业银行,2003年(6)：20-25