银行理财产品经营与管理

作者: 石建勋著 , 张凯文著

出版社: 清华大学出版社

出版时间: 2019-05

版次: 1

ISBN: 9787302523253

定价: 49.00

装帧: 平装

开本: 16

纸张: 胶版纸

页数: 261页

字数: 391千字

分类: 教材教辅考试>教材>大学教材>管理

11人买过

本书研究分析了当前大资管时代背景下金融资产管理的行业格局和监管变革，详细剖析了银行理财、信托资管、保险资管、券商资管、公募基金、基金子公司、私募证券投资基金和私募股权投资基金等各类资管子行业的发展现状和趋势，深入探讨了新资管格局下资产管理机构的业务转型，重点分析了银行理财产品的设计开发和经营管理、银行理财产品面临的风险及风险管理、银行理财产品的宏微观效应、大资管时代中国金融机构的转型与应对。通过本书的学习，可以基本掌握银行理财产品设计与经营管理方法。本书既可作为普通高校经济学、金融学、会计学、国际经济与贸易等专业本科生教材，也可作为资产管理行业从业者的参考读物。

石建勋，经济学博士，同济大学经济与管理学院经济学教授、博导，同济大学财经研究所所长，同济大学国家创新发展研究院副院长、首席专家。国家社科基金决策咨询项目首席专家、上海市习近平新时代中国特色社会主义思想研究中心副主任、上海市金融学会副会长、上海市中国特色社会主义理论研究会常务理事、上海高校智库内涵建设项目首席专家。《人民日报》（海外版）特约评论员，东南大学管理学院兼职教授，成都市“新型智库”特聘专家，《大公报》“财经石评”作者。近年来，发表经济与管理论文300余篇，研究撰写决策咨询报告40余篇，出版《新常态?新金融?新未来》《新时代中国特色社会主义政治经济学》《企业并购与资产重组》等专著和教材20部。主要研究与教学领域为应用经济学、金融学等。第一章大资管时代的行业发展与格局变化 ················································· 1

第一节中国资产管理市场的产业链演变 ····································································· 2

第二节全球资产管理行业的主流模式与趋势 ······························································ 9

第三节当前中国资产管理行业发展面临的问题 ························································ 13

第四节中国资产管理行业的格局变化 ······································································· 15

第二章银信保三大体系资产管理机构现状与竞争格局 ····························· 24

第一节银行理财机构现状与竞争格局 ······································································· 25

第二节信托资管机构现状与竞争格局 ······································································· 34

第三节保险资管机构现状与竞争格局 ······································································· 41

第三章证监体系资产管理机构现状与竞争格局 ········································ 47

第一节券商资管机构现状与竞争格局 ······································································· 48

第二节公募基金机构现状与竞争格局 ······································································· 54

第三节基金子公司机构现状与竞争格局 ··································································· 58

第四节私募证券投资基金机构现状与竞争格局 ························································ 61

第五节私募股权投资基金机构现状与竞争格局 ························································ 64

第六节私募创业投资基金机构现状与竞争格局 ························································ 68

第七节新资管格局下的资产管理机构业务转型探讨 ················································· 70

第四章银行理财产品基本概况 ································································· 75

第一节理财市场概述 ································································································· 76

第二节银行理财产品市场供需与创新动力分析 ························································ 79

第三节中国银行理财产品的发展阶段与特点 ···························································· 86

目录

· VI ·

银行理财产品经营与管理

第五章银行理财产品设计与开发原理 ······················································ 98

第一节银行理财产品设计的基本原理 ······································································· 99

第二节银行理财产品的固有指标 ············································································· 100

第三节银行理财产品一般买卖程序 ········································································· 101

第四节银行理财产品的一般运营步骤 ····································································· 103

第五节银行理财业务盈利模式：期限错配溢价 + 信用风险溢价 ···························· 105

第六节银行理财业务盈利模式的阶段划分 ······························································ 107

第六章银行固定收益型与净值型理财产品设计与经营管理 ···················· 109

第一节固定收益型理财产品的定义 ········································································· 110

第二节固定收益型银行理财产品设计原理 ·······························································111

第三节固定收益型银行理财产品的特点 ································································· 113

第四节固定收益型理财产品的影响—存款理财化 ··············································· 114

第五节固收理财的净值化选择—银行资产管理计划 ··········································· 115

第六节银行资产管理计划的运作模式和案例分析 ··················································· 117

第七节净值型理财产品实践中的阻碍 ····································································· 119

第八节银行理财产品创新方向—开放式理财产品 ··············································· 121

第九节资管新规对固收型和净值型理财产品的影响 ··············································· 123

第七章银信合作型理财产品设计与经营管理 ·········································· 125

第一节银信合作理财产品的定义 ············································································· 126

第二节银信合作理财产品的发展历史 ····································································· 127

第三节银信合作理财产品业务模式设计 ································································· 129

第四节银信合作的动因分析 ···················································································· 130

第五节银信合作型理财产品运作的一般模式 ·························································· 131

第六节资管新规对银信合作型理财产品的影响 ······················································ 147

第八章银行资金池理财产品设计与经营管理 ·········································· 150

第一节资金池理财产品的定义 ················································································ 151

第二节资金池理财产品的发展历史 ········································································· 152

第三节资金池理财产品的发行动机 ········································································· 153

第四节资金池理财产品的运作模式：资产池的构建 ··············································· 154

第五节资金池理财产品的特点 ················································································ 155

第六节资金池理财产品面临的发展问题 ································································· 157

· VII ·

序言

第七节资金池理财产品的风险防控案例分析 ·························································· 160

第八节资金池理财产品的监管控制 ········································································· 164

第九节资管新规对资金池理财产品的影响 ······························································ 165

第九章结构性理财产品设计与经营管理 ················································· 168

第一节结构性理财产品的定义 ················································································ 169

第二节国外结构性理财产品的发展历史 ································································· 169

第三节中国结构性理财产品的发展及发行情况 ······················································ 170

第四节结构性理财产品的特征 ················································································ 171

第五节中国结构性理财产品的市场特点 ································································· 172

第六节结构性理财产品主要分类及案例 ································································· 173

第七节结构性理财产品的设计理论 ········································································· 176

第八节资管新规对结构性理财产品的影响 ······························································ 183

第十章银行理财产品面临的主要风险及风控管理 ·································· 185

第一节中国银行理财产品的主要风险及其分类 ······················································ 186

第二节中国银行理财产品市场的整体风险分析 ······················································ 198

第三节中国银行理财产品的风险管理 ····································································· 201

第十一章银行理财产品的宏观效应分析及微观会计处理 ························ 208

第一节银行理财产品是资金表外化的一种表现 ······················································ 209

第二节银行理财产品的宏观效应—影子银行属性 ··············································· 210

第三节保本型和非保本型产品的发行对货币金融指标的影响 ································ 214

第四节银行理财产品的微观分析—会计处理分类和方法 ···································· 220

第十二章资管行业监管框架改进历程及新时代资管行业转型 ················ 227

第一节资产管理行业监管框架的国际经验 ······························································ 228

第二节中国银行理财市场的监管历程 ····································································· 236

第三节大资管时代的监管基调和框架改进 ······························································ 251

第四节大资管新时代金融机构的转型与应对 ·························································· 255

参考文献 ··································································································· 260
内容简介:
本书研究分析了当前大资管时代背景下金融资产管理的行业格局和监管变革，详细剖析了银行理财、信托资管、保险资管、券商资管、公募基金、基金子公司、私募证券投资基金和私募股权投资基金等各类资管子行业的发展现状和趋势，深入探讨了新资管格局下资产管理机构的业务转型，重点分析了银行理财产品的设计开发和经营管理、银行理财产品面临的风险及风险管理、银行理财产品的宏微观效应、大资管时代中国金融机构的转型与应对。通过本书的学习，可以基本掌握银行理财产品设计与经营管理方法。本书既可作为普通高校经济学、金融学、会计学、国际经济与贸易等专业本科生教材，也可作为资产管理行业从业者的参考读物。
作者简介:
石建勋，经济学博士，同济大学经济与管理学院经济学教授、博导，同济大学财经研究所所长，同济大学国家创新发展研究院副院长、首席专家。国家社科基金决策咨询项目首席专家、上海市习近平新时代中国特色社会主义思想研究中心副主任、上海市金融学会副会长、上海市中国特色社会主义理论研究会常务理事、上海高校智库内涵建设项目首席专家。《人民日报》（海外版）特约评论员，东南大学管理学院兼职教授，成都市“新型智库”特聘专家，《大公报》“财经石评”作者。近年来，发表经济与管理论文300余篇，研究撰写决策咨询报告40余篇，出版《新常态?新金融?新未来》《新时代中国特色社会主义政治经济学》《企业并购与资产重组》等专著和教材20部。主要研究与教学领域为应用经济学、金融学等。
目录:
第一章大资管时代的行业发展与格局变化 ················································· 1

第一节中国资产管理市场的产业链演变 ····································································· 2

第二节全球资产管理行业的主流模式与趋势 ······························································ 9

第三节当前中国资产管理行业发展面临的问题 ························································ 13

第四节中国资产管理行业的格局变化 ······································································· 15

第二章银信保三大体系资产管理机构现状与竞争格局 ····························· 24

第一节银行理财机构现状与竞争格局 ······································································· 25

第二节信托资管机构现状与竞争格局 ······································································· 34

第三节保险资管机构现状与竞争格局 ······································································· 41

第三章证监体系资产管理机构现状与竞争格局 ········································ 47

第一节券商资管机构现状与竞争格局 ······································································· 48

第二节公募基金机构现状与竞争格局 ······································································· 54

第三节基金子公司机构现状与竞争格局 ··································································· 58

第四节私募证券投资基金机构现状与竞争格局 ························································ 61

第五节私募股权投资基金机构现状与竞争格局 ························································ 64

第六节私募创业投资基金机构现状与竞争格局 ························································ 68

第七节新资管格局下的资产管理机构业务转型探讨 ················································· 70

第四章银行理财产品基本概况 ································································· 75

第一节理财市场概述 ································································································· 76

第二节银行理财产品市场供需与创新动力分析 ························································ 79

第三节中国银行理财产品的发展阶段与特点 ···························································· 86

目录

· VI ·

银行理财产品经营与管理

第五章银行理财产品设计与开发原理 ······················································ 98

第一节银行理财产品设计的基本原理 ······································································· 99

第二节银行理财产品的固有指标 ············································································· 100

第三节银行理财产品一般买卖程序 ········································································· 101

第四节银行理财产品的一般运营步骤 ····································································· 103

第五节银行理财业务盈利模式：期限错配溢价 + 信用风险溢价 ···························· 105

第六节银行理财业务盈利模式的阶段划分 ······························································ 107

第六章银行固定收益型与净值型理财产品设计与经营管理 ···················· 109

第一节固定收益型理财产品的定义 ········································································· 110

第二节固定收益型银行理财产品设计原理 ·······························································111

第三节固定收益型银行理财产品的特点 ································································· 113

第四节固定收益型理财产品的影响—存款理财化 ··············································· 114

第五节固收理财的净值化选择—银行资产管理计划 ··········································· 115

第六节银行资产管理计划的运作模式和案例分析 ··················································· 117

第七节净值型理财产品实践中的阻碍 ····································································· 119

第八节银行理财产品创新方向—开放式理财产品 ··············································· 121

第九节资管新规对固收型和净值型理财产品的影响 ··············································· 123

第七章银信合作型理财产品设计与经营管理 ·········································· 125

第一节银信合作理财产品的定义 ············································································· 126

第二节银信合作理财产品的发展历史 ····································································· 127

第三节银信合作理财产品业务模式设计 ································································· 129

第四节银信合作的动因分析 ···················································································· 130

第五节银信合作型理财产品运作的一般模式 ·························································· 131

第六节资管新规对银信合作型理财产品的影响 ······················································ 147

第八章银行资金池理财产品设计与经营管理 ·········································· 150

第一节资金池理财产品的定义 ················································································ 151

第二节资金池理财产品的发展历史 ········································································· 152

第三节资金池理财产品的发行动机 ········································································· 153

第四节资金池理财产品的运作模式：资产池的构建 ··············································· 154

第五节资金池理财产品的特点 ················································································ 155

第六节资金池理财产品面临的发展问题 ································································· 157

· VII ·

序言

第七节资金池理财产品的风险防控案例分析 ·························································· 160

第八节资金池理财产品的监管控制 ········································································· 164

第九节资管新规对资金池理财产品的影响 ······························································ 165

第九章结构性理财产品设计与经营管理 ················································· 168

第一节结构性理财产品的定义 ················································································ 169

第二节国外结构性理财产品的发展历史 ································································· 169

第三节中国结构性理财产品的发展及发行情况 ······················································ 170

第四节结构性理财产品的特征 ················································································ 171

第五节中国结构性理财产品的市场特点 ································································· 172

第六节结构性理财产品主要分类及案例 ································································· 173

第七节结构性理财产品的设计理论 ········································································· 176

第八节资管新规对结构性理财产品的影响 ······························································ 183

第十章银行理财产品面临的主要风险及风控管理 ·································· 185

第一节中国银行理财产品的主要风险及其分类 ······················································ 186

第二节中国银行理财产品市场的整体风险分析 ······················································ 198

第三节中国银行理财产品的风险管理 ····································································· 201

第十一章银行理财产品的宏观效应分析及微观会计处理 ························ 208

第一节银行理财产品是资金表外化的一种表现 ······················································ 209

第二节银行理财产品的宏观效应—影子银行属性 ··············································· 210

第三节保本型和非保本型产品的发行对货币金融指标的影响 ································ 214

第四节银行理财产品的微观分析—会计处理分类和方法 ···································· 220

第十二章资管行业监管框架改进历程及新时代资管行业转型 ················ 227

第一节资产管理行业监管框架的国际经验 ······························································ 228

第二节中国银行理财市场的监管历程 ····································································· 236

第三节大资管时代的监管基调和框架改进 ······························································ 251

第四节大资管新时代金融机构的转型与应对 ·························································· 255

参考文献 ··································································································· 260

查看详情

银行理财产品经营与管理

内容简介:

作者简介:

目录: