银行表外业务的风险和收益分析—以兴业银行的信托理财产品为例 财务管理专业VIP免费

银行表外业务的风险和收益分析—以兴业银行的信托理财产品为例摘要随着我国信托类理财市场的活跃，其安全稳定和高收益的特点受到很多投资者的青睐。本文通过查阅“知网”“万方”等期刊资源以及有关理财方面的金融知识，来分析信托类理财的风险和收益。最后通过整理兴业银行“万宝利”系列理财产品2014年至2015年的产品信息运用R语言进行了多元回归，并得出理财产品的投资期限对收益具有一定影响，投资年份和投资类型对收益具有显著影响。关键词：信托理财，兴业银行，回归分析Analysisontheriskandprofitofoffbalancesheetbusiness-basedonthetrustfinancingproductsofIndustrialBankAbstractWiththegrowingprosperityoftheTrustfinancialmarkets,theawarenessofinvestorsabouttheTrustfinancialproductsisrisingupuntiltoahighsecurityandstabilityyield.Besidesbaiduthrough"NationalKnowledgeInfrastructure""ArticlesDissertationDatabase"andotherelectronicresourcesandrelatedChineseandforeignperiodicals,thispapercollectclassicworksrelatedandviewsofthewell-knowneconomiststoanalysisoftherisksandbenefitsoftrustfinancing.Finally,itwentuptoamultipleregressionanalysisthroughusingRsoftwaredatacollectedfromWanbaoliofIndustrialBankfrom2014to2015,andresultsshowstheinvestmentperiodoffinancialproductshasacertainimpactonearningsandyearinvestmentandinvestmenttypehasasignificantimpactonthereturn.Keyword:Trustfinancingproducts，IndustrialBank，Regressionanalysis目录1.研究背景以及研究目的..................................................................................................................11.1研究背景................................................................................................................................11.2研究意义................................................................................................................................21.3研究目的................................................................................................................................22.国内外研究现状..............................................................................................................................32.1国内研究现状........................................................................................................................32.2国外研究现状........................................................................................................................43.信托理财概述..................................................................................................................................53.1信托理财含义........................................................................................................................53.2信托理财类型........................................................................................................................63.3国内信托类理财产品起源.....................................................................................................63.4国外信托类理财产品启示....................................................................................................74.兴业银行概述..................................................................................................................................94.1兴业银行介绍........................................................................................................................94.2兴业银行理财产品现状.................................................................................