本文共分为绪论、正文五章以及结论三个部分。第一部分为绪论，介绍了选题的背
景及其意义，并对国内外相关研究文献进行了综述，同时指出了本文的研究思路和框架，
研究方法以及创新点等。第二部分为正文第二章到第六章。第二章，利率调整对银行理
财产品影响的理论基础。第三章，华夏银行理财产品的产生背景及发展现状。第四章，
2006 年以来历次利率调整及其原因分析。第五章，利率调整对华夏银行理财产品影响的
实证分析，主要运用线性回归模型和和格兰杰因果检验，分别从变动趋势及相关度的方
面展开实证研究。第六章，合理运用利率调整扩大华夏银行理财产品业务的建议，从实
证研究得出的结论出发，分别提出了利率上调、下调及目前利率条件下的指导建议。最
后是本文的结论部分
关键词：利率调整；理财产品；预期收益率；利率市场化；华夏银行Abstract
Interest rate marketization reform is one of the important contents of the party&39;s eighteen.
Began in October 2015, the deposit interest rate upper limit was canceled in our country,
marking a substantive stage. At present, under the influence of the reform, financing business
has become one of the most important business to improve competitiveness, the rapid
development of financial product market has promoted the process of the reform. The
generation of financial products breaks the bondage of the interest rate control, reduces the
deposit check pressure on commercial banks. This thesis tries to take huaxia bank for example,
from micro perspective, using the linear regression model, granger causality test and other
econometric methods, to explore the influence of the interest rate adjustment to huaxia bank
financial products. Based on empirical research, this thesis puts forward corresponding
guidance what is of great value and positive practical significance to circumvent the risk of
interest rate changes and increase the operating profits.
This thesis is divided into three parts of the introduction, main text and the conclusion.
First is the introduction, introducing the topic background and significance, summarizing
relevant research literature at home and abroad, and pointing out the research ideas,
framework, research methods, innovations and so on. The second part is chapter 2 to 6.
Chapter 2, the theoretical basis of the impact of interest rate adjustment on financial products.
Chapter 3, the emergence and situation of huaxia bank financial products. Chapter 4, interest
rate adjustments and their reason analysis since 2006. Chapter 5, empirical analysis of the
impact of interest rate adjustment on huaxia bank financial products, mainly using the linear
regression model and granger causality test, carrying out empirical study respectively from
the aspects of change trend and relatedness. Chapter 6, advice on reasonable use of interest
rate adjustment to expand huaxia bank financial product business, respectively putting
forward guidance advice on the higher, the lower and the current situation of interest rate.
Finally is the conclusion.Keywords: Interest Rate Adjustment; Financial Products; Expected Return; Interest rate
Marketization; Huaxia Bank目 录
第 1 章 绪论....1
1.1 研究背景及意义 ........1
1.1.1 研究背景 ..........1
1.1.2 研究意义 ..........2
1.2 国内外文献综述 ........3
1.2.1 国外文献综述 ..3
1.2.2 国内文献综述 ..5
1.3 研究思路及框架 ........6
1.4 研究方法 ........8
1.5 本文创新之处 8
第 2 章 利率调整对银行理财产品影响的理论基础9
2.1 利率调整的内涵及其意义 ....9
2.1.1 利率调整的内涵 ..........9
2.1.2 利率调整的意义 ..........9
2.2 利率调整对银行理财产品影响的相关理论 ..........10
2.2.1 IS-LM 模型 ....10
2.2.2 利率传导理论11
2.2.3 金融发展理论 12
第 3 章 华夏银行理财产品的产生背景及发展现状..........13
3.1 商业银行理财产品概述 ......13
3.1.1 银行理财产品定义 ....13
3.1.2 银行理财产品分类 ....14
3.2 华夏银行理财产品的产生背景 ......15
3.3 华夏银行理财产品的发展现状 ......16
第 4 章 2006 年以来历次利率调整及其原因分析.20
4.1 2006 年以来利率调整历程回顾 .....204.2 历次利率调整的原因分析 ..24
4.2.1 2006 年 8 月-2008 年 9 月阶段利率调整原因分析.24
4.2.2 2008 年 10 月-2010 年 9 月阶段利率调整原因分析...........24
4.2.3 2010 年 10 月-2012 年 5 月阶段利率调整原因分析...........25
4.2
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