銀行理財(cái)產(chǎn)品經(jīng)營(yíng)與管理

第一章 大資管時(shí)代的行業(yè)發(fā)展與格局變化 ················································· 1
第一節(jié) 中國(guó)資產(chǎn)管理市場(chǎng)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(shì) ······························································ 9
第三節(jié) 當(dāng)前中國(guó)資產(chǎn)管理行業(yè)發(fā)展面臨的問(wèn)題 ························································ 13
第四節(jié) 中國(guó)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(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ····························· 24
第一節(jié) 銀行理財(cái)機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ······································································· 25
第二節(jié) 信托資管機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ······································································· 34
第三節(jié) 保險(xiǎn)資管機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ······································································· 41
第三章 證監(jiān)體系資產(chǎn)管理機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ········································ 47
第一節(jié) 券商資管機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ······································································· 48
第二節(jié) 公募基金機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ······································································· 54
第三節(jié) 基金子公司機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ··································································· 58
第四節(jié) 私募證券投資基金機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ························································ 61
第五節(jié) 私募股權(quán)投資基金機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ························································ 64
第六節(jié) 私募創(chuàng)業(yè)投資基金機(jī)構(gòu)現(xiàn)狀與競(jìng)爭(zhēng)格局 ························································ 68
第七節(jié) 新資管格局下的資產(chǎn)管理機(jī)構(gòu)業(yè)務(wù)轉(zhuǎn)型探討 ················································· 70
第四章 銀行理財(cái)產(chǎn)品基本概況 ································································· 75
第一節(jié) 理財(cái)市場(chǎng)概述 ································································································· 76
第二節(jié) 銀行理財(cái)產(chǎn)品市場(chǎng)供需與創(chuàng)新動(dòng)力分析 ························································ 79
第三節(jié) 中國(guó)銀行理財(cái)產(chǎn)品的發(fā)展階段與特點(diǎn) ···························································· 86
目 錄
· VI ·
銀行理財(cái)產(chǎn)品經(jīng)營(yíng)與管理
第五章 銀行理財(cái)產(chǎn)品設(shè)計(jì)與開(kāi)發(fā)原理 ······················································ 98
第一節(jié) 銀行理財(cái)產(chǎn)品設(shè)計(jì)的基本原理 ······································································· 99
第二節(jié) 銀行理財(cái)產(chǎn)品的固有指標(biāo) ············································································· 100
第三節(jié) 銀行理財(cái)產(chǎn)品一般買(mǎi)賣(mài)程序 ········································································· 101
第四節(jié) 銀行理財(cái)產(chǎn)品的一般運(yùn)營(yíng)步驟 ····································································· 103
第五節(jié) 銀行理財(cái)業(yè)務(wù)盈利模式：期限錯(cuò)配溢價(jià) + 信用風(fēng)險(xiǎn)溢價(jià) ···························· 105
第六節(jié) 銀行理財(cái)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(cái)產(chǎn)品設(shè)計(jì)與經(jīng)營(yíng)管理 ···················· 109
第一節(jié) 固定收益型理財(cái)產(chǎn)品的定義 ········································································· 110
第二節(jié) 固定收益型銀行理財(cái)產(chǎn)品設(shè)計(jì)原理 ·······························································111
第三節(jié) 固定收益型銀行理財(cái)產(chǎn)品的特點(diǎn) ································································· 113
第四節(jié) 固定收益型理財(cái)產(chǎn)品的影響—存款理財(cái)化 ··············································· 114
第五節(jié) 固收理財(cái)?shù)膬糁祷x擇—銀行資產(chǎn)管理計(jì)劃 ··········································· 115
第六節(jié) 銀行資產(chǎn)管理計(jì)劃的運(yùn)作模式和案例分析 ··················································· 117
第七節(jié) 凈值型理財(cái)產(chǎn)品實(shí)踐中的阻礙 ····································································· 119
第八節(jié) 銀行理財(cái)產(chǎn)品創(chuàng)新方向—開(kāi)放式理財(cái)產(chǎn)品 ··············································· 121
第九節(jié) 資管新規(guī)對(duì)固收型和凈值型理財(cái)產(chǎn)品的影響 ··············································· 123
第七章 銀信合作型理財(cái)產(chǎn)品設(shè)計(jì)與經(jīng)營(yíng)管理 ·········································· 125
第一節(jié) 銀信合作理財(cái)產(chǎn)品的定義 ············································································· 126
第二節(jié) 銀信合作理財(cái)產(chǎn)品的發(fā)展歷史 ····································································· 127
第三節(jié) 銀信合作理財(cái)產(chǎn)品業(yè)務(wù)模式設(shè)計(jì) ································································· 129
第四節(jié) 銀信合作的動(dòng)因分析 ···················································································· 130
第五節(jié) 銀信合作型理財(cái)產(chǎn)品運(yùn)作的一般模式 ·························································· 131
第六節(jié) 資管新規(guī)對(duì)銀信合作型理財(cái)產(chǎn)品的影響 ······················································ 147
第八章 銀行資金池理財(cái)產(chǎn)品設(shè)計(jì)與經(jīng)營(yíng)管理 ·········································· 150
第一節(jié) 資金池理財(cái)產(chǎn)品的定義 ················································································ 151
第二節(jié) 資金池理財(cái)產(chǎn)品的發(fā)展歷史 ········································································· 152
第三節(jié) 資金池理財(cái)產(chǎn)品的發(fā)行動(dòng)機(jī) ········································································· 153
第四節(jié) 資金池理財(cái)產(chǎn)品的運(yùn)作模式：資產(chǎn)池的構(gòu)建 ··············································· 154
第五節(jié) 資金池理財(cái)產(chǎn)品的特點(diǎn) ················································································ 155
第六節(jié) 資金池理財(cái)產(chǎn)品面臨的發(fā)展問(wèn)題 ································································· 157
· VII ·
序 言
第七節(jié) 資金池理財(cái)產(chǎn)品的風(fēng)險(xiǎn)防控案例分析 ·························································· 160
第八節(jié) 資金池理財(cái)產(chǎn)品的監(jiān)管控制 ········································································· 164
第九節(jié) 資管新規(guī)對(duì)資金池理財(cái)產(chǎn)品的影響 ······························································ 165
第九章 結(jié)構(gòu)性理財(cái)產(chǎn)品設(shè)計(jì)與經(jīng)營(yíng)管理 ················································· 168
第一節(jié) 結(jié)構(gòu)性理財(cái)產(chǎn)品的定義 ················································································ 169
第二節(jié) 國(guó)外結(jié)構(gòu)性理財(cái)產(chǎn)品的發(fā)展歷史 ································································· 169
第三節(jié) 中國(guó)結(jié)構(gòu)性理財(cái)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(cái)產(chǎn)品的特征 ················································································ 171
第五節(jié) 中國(guó)結(jié)構(gòu)性理財(cái)產(chǎn)品的市場(chǎng)特點(diǎn) ································································· 172
第六節(jié) 結(jié)構(gòu)性理財(cái)產(chǎn)品主要分類(lèi)及案例 ································································· 173
第七節(jié) 結(jié)構(gòu)性理財(cái)產(chǎn)品的設(shè)計(jì)理論 ········································································· 176
第八節(jié) 資管新規(guī)對(duì)結(jié)構(gòu)性理財(cái)產(chǎn)品的影響 ······························································ 183
第十章 銀行理財(cái)產(chǎn)品面臨的主要風(fēng)險(xiǎn)及風(fēng)控管理 ·································· 185
第一節(jié) 中國(guó)銀行理財(cái)產(chǎn)品的主要風(fēng)險(xiǎn)及其分類(lèi) ······················································ 186
第二節(jié) 中國(guó)銀行理財(cái)產(chǎn)品市場(chǎng)的整體風(fēng)險(xiǎn)分析 ······················································ 198
第三節(jié) 中國(guó)銀行理財(cái)產(chǎn)品的風(fēng)險(xiǎn)管理 ····································································· 201
第十一章 銀行理財(cái)產(chǎn)品的宏觀(guān)效應(yīng)分析及微觀(guān)會(huì)計(jì)處理 ························ 208
第一節(jié) 銀行理財(cái)產(chǎn)品是資金表外化的一種表現(xiàn) ······················································ 209
第二節(jié) 銀行理財(cái)產(chǎn)品的宏觀(guān)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(duì)貨幣金融指標(biāo)的影響 ································ 214
第四節(jié) 銀行理財(cái)產(chǎn)品的微觀(guān)分析—會(huì)計(jì)處理分類(lèi)和方法 ···································· 220
第十二章 資管行業(yè)監(jiān)管框架改進(jìn)歷程及新時(shí)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(guó)際經(jīng)驗(yàn) ······························································ 228
第二節(jié) 中國(guó)銀行理財(cái)市場(chǎng)的監(jiān)管歷程 ····································································· 236
第三節(jié) 大資管時(shí)代的監(jiān)管基調(diào)和框架改進(jìn) ······························································ 251
第四節(jié) 大資管新時(shí)代金融機(jī)構(gòu)的轉(zhuǎn)型與應(yīng)對(duì) ·························································· 255
參考文獻(xiàn) ··································································································· 260