银行理财产品运作模式分析

目录

摘要................................................................. ABSTRACT.............................................................

一、前言.............................................................

（一）银行资产池金融理财产品内涵.................................

（二）银行资产池金融理财产品特点.................................

（三）资产池理财业务现状.........................................

二、银行资产池理财产品产生的背景及意义...............................

（一）资产池理财模式产生的环境...................................

（二）对于商业银行经营的重要意义.................................

三、商业银行资产池理财产品运作模式剖析...............................

（一）投资化存款.................................................

（二）证券化贷款.................................................

四、分析商业银行资产池金融理财产品的风险管理.........................

（一）风险管理原则...............................................

（二）市场风险...................................................

（三）流动风险...................................................

（四）信用风险...................................................

（五）政策的风险.................................................

五、国内商业银行资产池理财产品在未来的发展建议.......................

（一）组织结构...................................................

（二）操作模式...................................................

（三）风险管理...................................................

（四）产品营销................................................... 结论................................................................. 辞谢................................................................. 参考文献............................................................. 引证文献.............................................................

摘要

在世界银行产业经营转型的大环境下，国内商业银行理财业务的运作

模式也发生了重大改变,基于资产池类理金融品为主的理财产品运作模式

已经作为各银行中间业务营业收入的新增长点。本文主要针对商业银行资

产池类理财产品在内涵、产生背景、现状及其运作模式上进行逻辑分析，

在金融脱媒大背景下,推出资产池类理财产品实际上是国内利率市场和金

融市场的重要步骤，展现了存款投资化与贷款证券化的特点。对目前的资

产池进行了深入分析，主要分析存在于操作风险和控制措施，并对国内商

业银行的资产池等金融产品的未来方向，提出指导意见。

关键词:商业银行；风险控制；资产池

ABSTRACT

In the background of the global banking business transformation, the mode of operation of commercial bank

financing business in China has undergone a major change, financial products operation mode to asset pool kind of financial products has become the bank's intermediate business income of new growth point. This paper mainly aims at the pool of assets of commercial bank financial products in the connotation, status and its mode of operation on the background, logical analysis, in the background of financial disintermediation, launch the asset pool kind of financial products is actually important steps of the domestic interest rates and financial market, embodies the characteristics of Securitization of loans and savings investment. And in-depth analysis of the risk and control measures of the asset pool operation in the presence of the main, and the domestic commercial bank asset pool kind of financial products in the future development direction put forward guidance.

Key Words: Commercial bank ; risk control ; asset pool

一、前言

（一）银行资产池金融理财产品内涵

资产池金融产品，主要指区别于相对传统的“一对一”的理财产品，以商业债券、资产回购、信托融资计划、同业存放等多样化投资的整体性