银行理财产品经营与管理

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