銀行理財產(chǎn)品經(jīng)營與管理

第一章 大資管時代的行業(yè)發(fā)展與格局變化 ················································· 1
第一節(jié) 中國資產(chǎn)管理市場的產(chǎn)業(yè)鏈演變 ····································································· 2
第二節(jié) 全球資產(chǎn)管理行業(yè)的主流模式與趨勢 ······························································ 9
第三節(jié) 當前中國資產(chǎn)管理行業(yè)發(fā)展面臨的問題 ························································ 13
第四節(jié) 中國資產(chǎn)管理行業(yè)的格局變化 ······································································· 15
第二章 銀信保三大體系資產(chǎn)管理機構(gòu)現(xiàn)狀與競爭格局 ····························· 24
第一節(jié) 銀行理財機構(gòu)現(xiàn)狀與競爭格局 ······································································· 25
第二節(jié) 信托資管機構(gòu)現(xiàn)狀與競爭格局 ······································································· 34
第三節(jié) 保險資管機構(gòu)現(xiàn)狀與競爭格局 ······································································· 41
第三章 證監(jiān)體系資產(chǎn)管理機構(gòu)現(xiàn)狀與競爭格局 ········································ 47
第一節(jié) 券商資管機構(gòu)現(xiàn)狀與競爭格局 ······································································· 48
第二節(jié) 公募基金機構(gòu)現(xiàn)狀與競爭格局 ······································································· 54
第三節(jié) 基金子公司機構(gòu)現(xiàn)狀與競爭格局 ··································································· 58
第四節(jié) 私募證券投資基金機構(gòu)現(xiàn)狀與競爭格局 ························································ 61
第五節(jié) 私募股權(quán)投資基金機構(gòu)現(xiàn)狀與競爭格局 ························································ 64
第六節(jié) 私募創(chuàng)業(yè)投資基金機構(gòu)現(xiàn)狀與競爭格局 ························································ 68
第七節(jié) 新資管格局下的資產(chǎn)管理機構(gòu)業(yè)務(wù)轉(zhuǎn)型探討 ················································· 70
第四章 銀行理財產(chǎn)品基本概況 ································································· 75
第一節(jié) 理財市場概述 ································································································· 76
第二節(jié) 銀行理財產(chǎn)品市場供需與創(chuàng)新動力分析 ························································ 79
第三節(jié) 中國銀行理財產(chǎn)品的發(fā)展階段與特點 ···························································· 86
目 錄
· VI ·
銀行理財產(chǎn)品經(jīng)營與管理
第五章 銀行理財產(chǎn)品設(shè)計與開發(fā)原理 ······················································ 98
第一節(jié) 銀行理財產(chǎn)品設(shè)計的基本原理 ······································································· 99
第二節(jié) 銀行理財產(chǎn)品的固有指標 ············································································· 100
第三節(jié) 銀行理財產(chǎn)品一般買賣程序 ········································································· 101
第四節(jié) 銀行理財產(chǎn)品的一般運營步驟 ····································································· 103
第五節(jié) 銀行理財業(yè)務(wù)盈利模式：期限錯配溢價 + 信用風險溢價 ···························· 105
第六節(jié) 銀行理財業(yè)務(wù)盈利模式的階段劃分 ······························································ 107
第六章 銀行固定收益型與凈值型理財產(chǎn)品設(shè)計與經(jīng)營管理 ···················· 109
第一節(jié) 固定收益型理財產(chǎn)品的定義 ········································································· 110
第二節(jié) 固定收益型銀行理財產(chǎn)品設(shè)計原理 ·······························································111
第三節(jié) 固定收益型銀行理財產(chǎn)品的特點 ································································· 113
第四節(jié) 固定收益型理財產(chǎn)品的影響—存款理財化 ··············································· 114
第五節(jié) 固收理財?shù)膬糁祷x擇—銀行資產(chǎn)管理計劃 ··········································· 115
第六節(jié) 銀行資產(chǎn)管理計劃的運作模式和案例分析 ··················································· 117
第七節(jié) 凈值型理財產(chǎn)品實踐中的阻礙 ····································································· 119
第八節(jié) 銀行理財產(chǎn)品創(chuàng)新方向—開放式理財產(chǎn)品 ··············································· 121
第九節(jié) 資管新規(guī)對固收型和凈值型理財產(chǎn)品的影響 ··············································· 123
第七章 銀信合作型理財產(chǎn)品設(shè)計與經(jīng)營管理 ·········································· 125
第一節(jié) 銀信合作理財產(chǎn)品的定義 ············································································· 126
第二節(jié) 銀信合作理財產(chǎn)品的發(fā)展歷史 ····································································· 127
第三節(jié) 銀信合作理財產(chǎn)品業(yè)務(wù)模式設(shè)計 ································································· 129
第四節(jié) 銀信合作的動因分析 ···················································································· 130
第五節(jié) 銀信合作型理財產(chǎn)品運作的一般模式 ·························································· 131
第六節(jié) 資管新規(guī)對銀信合作型理財產(chǎn)品的影響 ······················································ 147
第八章 銀行資金池理財產(chǎn)品設(shè)計與經(jīng)營管理 ·········································· 150
第一節(jié) 資金池理財產(chǎn)品的定義 ················································································ 151
第二節(jié) 資金池理財產(chǎn)品的發(fā)展歷史 ········································································· 152
第三節(jié) 資金池理財產(chǎn)品的發(fā)行動機 ········································································· 153
第四節(jié) 資金池理財產(chǎn)品的運作模式：資產(chǎn)池的構(gòu)建 ··············································· 154
第五節(jié) 資金池理財產(chǎn)品的特點 ················································································ 155
第六節(jié) 資金池理財產(chǎn)品面臨的發(fā)展問題 ································································· 157
· VII ·
序 言
第七節(jié) 資金池理財產(chǎn)品的風險防控案例分析 ·························································· 160
第八節(jié) 資金池理財產(chǎn)品的監(jiān)管控制 ········································································· 164
第九節(jié) 資管新規(guī)對資金池理財產(chǎn)品的影響 ······························································ 165
第九章 結(jié)構(gòu)性理財產(chǎn)品設(shè)計與經(jīng)營管理 ················································· 168
第一節(jié) 結(jié)構(gòu)性理財產(chǎn)品的定義 ················································································ 169
第二節(jié) 國外結(jié)構(gòu)性理財產(chǎn)品的發(fā)展歷史 ································································· 169
第三節(jié) 中國結(jié)構(gòu)性理財產(chǎn)品的發(fā)展及發(fā)行情況 ······················································ 170
第四節(jié) 結(jié)構(gòu)性理財產(chǎn)品的特征 ················································································ 171
第五節(jié) 中國結(jié)構(gòu)性理財產(chǎn)品的市場特點 ································································· 172
第六節(jié) 結(jié)構(gòu)性理財產(chǎn)品主要分類及案例 ································································· 173
第七節(jié) 結(jié)構(gòu)性理財產(chǎn)品的設(shè)計理論 ········································································· 176
第八節(jié) 資管新規(guī)對結(jié)構(gòu)性理財產(chǎn)品的影響 ······························································ 183
第十章 銀行理財產(chǎn)品面臨的主要風險及風控管理 ·································· 185
第一節(jié) 中國銀行理財產(chǎn)品的主要風險及其分類 ······················································ 186
第二節(jié) 中國銀行理財產(chǎn)品市場的整體風險分析 ······················································ 198
第三節(jié) 中國銀行理財產(chǎn)品的風險管理 ····································································· 201
第十一章 銀行理財產(chǎn)品的宏觀效應(yīng)分析及微觀會計處理 ························ 208
第一節(jié) 銀行理財產(chǎn)品是資金表外化的一種表現(xiàn) ······················································ 209
第二節(jié) 銀行理財產(chǎn)品的宏觀效應(yīng)—影子銀行屬性 ··············································· 210
第三節(jié) 保本型和非保本型產(chǎn)品的發(fā)行對貨幣金融指標的影響 ································ 214
第四節(jié) 銀行理財產(chǎn)品的微觀分析—會計處理分類和方法 ···································· 220
第十二章 資管行業(yè)監(jiān)管框架改進歷程及新時代資管行業(yè)轉(zhuǎn)型 ················ 227
第一節(jié) 資產(chǎn)管理行業(yè)監(jiān)管框架的國際經(jīng)驗 ······························································ 228
第二節(jié) 中國銀行理財市場的監(jiān)管歷程 ····································································· 236
第三節(jié) 大資管時代的監(jiān)管基調(diào)和框架改進 ······························································ 251
第四節(jié) 大資管新時代金融機構(gòu)的轉(zhuǎn)型與應(yīng)對 ·························································· 255
參考文獻 ··································································································· 260