理财产品的出现不仅满足了居民日益丰富的投资需求、解决企业多元化融资
的需求，同时理财产品作为金融创新工具，还增加了商业银行的中间业务收
入。因此商业银行理财业务近年来发展迅猛。但我国商业银行理财产品的发
展时间尚短，监管体系、法律法规并不完善，同时由于银行理财产品的投融
资环节中，涉及银行、第三方机构、理财产品购买人、融资人等多个主体，
形成了错综复杂的法律关系，其隐藏的各种风险引人担忧
本文首先从商业银行理财产品面临的信用风险尤其是交易结构风险进
行了介绍及分析，指出其体现形式包括交易结构风险、增信措施、融资方式
风险。其次对银行理财产品交易结构进行分类介绍，并分析了各类交易结构
的风险点及成因。最后通过三个实际案例分别从交易结构风险中的交易主体
风险、增信措施风险、融资方式风险三个方面对商业银行理财产品交易结构
风险进行分析及探讨，并上升到具有普遍参考性的分析，指出商业银行在面
对市场上的新兴融资模式时，应当全面分析交易结构关键点，掌握各环节风
险点，深入了解各类增信措施背后的逻辑关系，各项增信措施涉及的法律法
规，在了解交易结构的基础上，识别法律风险、政策风险、合规风险等，尽
最大可能保障银行理财资金的安全性。并建议商业银行针对银行理财业务设
置独立专业的风险审批体系，从法律、会计处理、产品销售、监管要求、信
用风险等等多方面进行评估；增强员工的法律和风险意识；推广投资理财知
识，增加投资者风险意识，避免各种纠纷的发生引发的商业银行的声誉风险
本文采取案例分析的方法，理论结合实践，以实际业务中的真实案例出
1商业银行理财产品交易结构风险分析发，分析银行理财产品交易结构存在的风险，堵不如疏，需要从制度建设、
人才培养、监管机构的引导等各方齐心协力，才能将银行理财产品的风险化
解于无形之中。 随着金融市场的纵深发展，商业银行理财业务已经成为各
大商业银行盈利的主要来源，本文通过对银行理财产品交易结构风险分析的
研究，主要目的在于探索商业银行理财产品交易结构风险的识别、防范及管
理，通过分析提出相应建议，旨在为商业银行发展理财业务提供参考，提高
商业银行理财产品的风险管理能力，并为我国金融市场稳定发展奠定基础
关键字：银行理财产品 交易结构风险 交易主体 增信措施 融资模式Abstract
Abstract
With the coming of the asset management era, Commercial banks’ business
model gradually turns to light asset model which mainly depends on asset
management from the traditional model which utilizes credit business as the core
financial product is the main form of asset management business. At the same time,
China’s urban and rural residents’ saving surplus has been more than 40 trillion
yuan. People have more spare money to invest, especially in financial products
investment. The rise of financial products not only meet the investment demand of
residents but also meet the requirements of financing demand of enterprises. As a
financial innovation tool, financial products also bring commercial banks
comfortable intermediate business income .Thus, commercial bank’s financial
products is developing rapidly in recent years. However, the development time of
China’s commercial bank’s financial products is not long enough, the supervision
system, laws and regulations are still imperfect. In the transaction of financial
products due to complex legal relations which involves buyers, financiers, and
third-party institution, whose hidden risks are worth concerning.
This article firstly introduced and analyzed the credit risk, especially deal
structure risk of financial products. Point out that the
embodimenthttp://dict.youdao/w/embodiment/javascript:void(0); of deal structure
risk include transaction participant’s risk, credit promotion measures’ risk and
equity financing risk. Secondly, this article classified and analyzed the deal
structure of commercial bank’s financial products, analyzed the risk point and
causes of all kinds of deal structure. At last, this article analyzed and discussed the
promotion measures’ risk and equity financing risk of transaction participant from
three real cases. It point out when commercial bank is in the face of new financing
models, it should analyze the key point and risk point of every link, understand the
logical relationship behind different credit promotion measures, and understand the
laws and regulations involved in the credit promotion measures. On the basis of
1Risk Analysis Based On Financial Product Trade Structure of Commercial Bankunderstanding the deal structure, commercial banks should identify the legal
risks policy compliance risk in order to ensure the safety of financial funds as
much as possible. Then let us make suggestions to deal structure risk.
This article employs the methods of case study analysis, combines theory
with practice, and analyzes the risk of financial product’s deal structure. The risks
rose from bank financial products can be resolved by utilizing system construction,
talent cultivation and regulatory guidance together. With the deep development of
financial markets, financial products become the main source of profits for
commercial banks. The purpose of this article is to explore the identification,
prevention and management of deal structure’s risk. Consequently, I hope this
article can lay the steady development of China’s financial market, while provide a
reference for developing commercial bank’s financing business.
Keywords: Banks’ Financial Products; Deal Structure Risk; Transaction
Participant’s Risk; Credit Promotion Measures’Risk Financing Model目 录
目 录
摘要 ..........1
ABSTRACT ........1
目 录 ..........1
1 绪论 ..........1
1.1 研究背景和目的......... 1
1.2 研究内容和方法......... 2
1.3 研究思路和框架......... 2
2 文献综述 ......3
2.1 商业银行理财产品风险研究........... 3
2.2 国外相关文献综述....... 5
3 理财产品交易结构分析 ......7
3.1 商业银行理财产品交易结构........... 7
3.2 理财产品交易结构分类... 7
3.2.1 一般债权类融资结构. 8
3.2.2 特定资产收益权类... 9
3.2.3 股权投资.......... 11
3.2.4 资产证券化........ 14
3.2.5 融资租赁.......... 16
4 商业银行理财产品交易结构对信用风险的影响..........19
4.1 商业银行理财产品信用风险的界定.... 19
4.2 商业银行理财产品交易结构对信用风险的影响...... 20
4.2.1 交易结构风险...... 21
4.2.2 市场风险.......... 22
4.2.3 流动性风险........ 24
1商业银行理财产品交易结构风险分析5 商业银行理财产品交易结构风险案例分析..26
5.1 交易主体风险.......... 26
5.1.1 案例介绍.......... 27
5.1.2 案例分析.......... 28
5.1.3 风险防范.......... 30
5.1.4 交易主体风险探讨.. 30
5.1.5 小结.. 32
5.2 增信措施有效性风险.... 32
5.2.1 案例介绍.......... 33
5.2.2 案例分析.......... 33
5.2.3 风险防范.......... 35
5.2.4 增信措施风险探讨.. 38
5.2.5 小结.. 40
5.3 投资方式风险.......... 40
5.3.1 案例介绍.......... 41
5.3.2 案例分析.......... 43
5.3.3 风险防范.......... 44
5.3.4 明股实债风险探讨.. 44
5.3.5 小结.. 47
6 研究结论及建议 ...........48
6.1 研究结论及建议........ 48
6.2 建议...... 49
6.2.1 内部风险控制...... 49
6.2.2 外部风险防范...... 51
参
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