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论文编号：	12650
作者编号：	2120192863
上传时间：	2021/6/18 14:05:26
中文题目：	商业银行理财产品对其经营稳定性的影响研究
英文题目：	Research on the Impact of Financial Products of Commercial Banks on their Operational Stability
指导老师：	王曼舒
中文关键字：	理财产品；商业银行；经营稳定性
英文关键字：	Financial Product of Commercial Bank；Commercial Bank；Operational Stability
中文摘要：	银行理财产品是我国资产管理市场的重要组成部分，是金融创新的成果。在中国光大银行将我国第一款自主发行的银行理财产品推出后，我国银行理财业务发展方兴未艾。银行理财产品规模的不断扩大不仅给金融体系稳定带来了潜在的风险隐患，也使作为发行者的商业银行面临更多的风险，对于商业银行经营稳定性的影响不容小觑。因此，本文研究商业银行理财产品对其经营稳定性的影响具有现实必要性，能为商业银行在发展理财业务的过程中防范风险、维持和增加自身的经营稳定性提供借鉴，同时为理财市场监管提供参考。 本文首先介绍了研究背景、研究意义、研究内容以及研究方法，接下来对商业银行理财业务、理财产品和商业银行经营稳定性的概念进行界定，回顾了相关理论，梳理了国内外关于影子银行与商业银行经营稳定性的关系、银行理财产品与商业银行经营稳定性的关系的相关研究。其次，提出商业银行理财产品对其经营稳定性的影响的研究假设，选取相关变量，构建回归模型，进行实证研究，得出商业银行理财产品对其经营稳定性的影响及其影响机制的实证结果。最后对本研究进行总结，得出本研究的结论，结合我国银行理财产品的发展现状提出建议，并对未来的研究做出展望。 本研究通过对我国32家商业银行样本进行实证分析，探究商业银行理财产品对其经营稳定性的影响及其影响机制。研究得出商业银行发行理财产品会显著削弱其经营稳定性，银行理财产品通过盈利能力、资本水平和信用风险三种机制影响商业银行的经营稳定性。本研究还以收益类型为划分标准，将理财产品分为保本型理财产品和非保本型理财产品，以期限结构为划分标准，将理财产品分为短期理财产品和中长期理财产品，探究了不同类型的商业银行理财产品对其经营稳定性的影响及其影响机制的差异性。
英文摘要：	Financial products of commercial banks are an important part of the asset management market of China. And they are the result of financial innovation. After the first self-issued financial product of commercial bank of China issued by China Everbright Bank, commercial banks’ financial services of China are developing rapidly.The continuous expansion of the scale of financial products of commercial banks not only brings potential risks to the stability of the financial system, but also exposes commercial banks as issuers to more risks. Its impact on the operational stability of commercial banks can not be underestimated. Therefore, it is necessary for this research to study the impact of financial products of commercial banks on their operational stability. It can provide references for commercial banks to prevent risks in the process of developing financial services, maintain and increase their own operational stability, and at the same time provide references for the wealth management market supervision. This article first introduces the research background, research significance, research content and research methods, then defines the concepts of the commercial bank’s financial service, the financial product of the commercial bank and the operational stability of the commercial bank, reviews relevant theories, and sorts out domestic and foreign literature concerning about the relationship between the shadow banking and the operational stability of commercial banks and the relationship between financial products of commercial banks and their operational stability. Secondly, this article puts forward the research hypothesis of the impact of financial products of commercial banks on their operating stability, selects relevant variables, constructs regression models, conducts the empirical research, and obtains empirical results of the impact of financial products of commercial banks on their operating stability and their influence mechanisms. Finally, the article summarizes this research, draws the conclusions of this research, puts forward suggestions combining with the development status of financial products of commercial banks of China and makes prospects for future research. This study conducts an empirical analysis of a sample of 32 Chinese commercial banks to explore the impact of financial products of commercial banks on their operating stability and their influence mechanisms. The research concludes that financial products issued by commercial banks will significantly weaken their operational stability. Financial products affect the operational stability of commercial banks through three mechanisms.They are profitability, capital level and credit risk. This research also uses the income types as the classification standard to divide financial products into the capital-guaranteed financial product and the non-captial-guaranteed financial product to explore differences of the impact of different types of financial products on the operational stability and .their influence mechanisms. Besides, this research uses the maturity structure as the classification standard to divide financial products into the short-term financial product and the medium and long-term financial product to explore differences of the impact of different types of financial products on the operational stability.
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