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| 基于目标导向的银行理财产品最优费率研究 | |
| 引用本文： | 李峰,张丛,龙建成.基于目标导向的银行理财产品最优费率研究[J].统计与信息论坛,2013,28(1):54-58. |
| 作者姓名： | 李峰 张丛 龙建成 |
| 作者单位： | 1. 西安电子科技大学经济管理学院,陕西西安,710071 2. 西安交通大学经济与金融学院,陕西西安,710061 3. 西安电子科技大学人文学院,陕西西安,710071 |
| 基金项目： | 中央高校基本科研业务费资助项目《利润和社会责任双重视角下我国金融产品费率问题研究》 |
| 摘 要： | 建立基于银行目标导向的理财产品费率模型,通过对不同目标下银行行为的讨论,得出理财产品费率调整的一个分析框架。研究发现：存在使银行的经济效益和社会效益综合提升程度最大的最优理财产品费率;最优费率不是固定值,而是一个动态概念;单纯考虑经济效益时,银行将调高理财产品费率;银行调高理财产品费率,将提升自身综合目标的实现程度;银行调低理财产品费率,并不改变银行的综合目标。 |
| 关 键 词： | 银行 理财产品 费率 |
The Study on Optimal Fee Rate of Wealth Management Products Based on Bank's Goal |
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| LI Feng , ZHANG Cong , LONG Jian-cheng.The Study on Optimal Fee Rate of Wealth Management Products Based on Bank's Goal[J].Statistics & Information Tribune,2013,28(1):54-58. | |
| Authors: | LI Feng ZHANG Cong LONG Jian-cheng |
| Affiliation: | 1b (a.Economics and Management School;b.Department of Humanity and Art,1.Xidian University,Xi’an 710071,China; 2.School of Economics and Finance,Xi’an Jiaotong University,Xi’an 710061,China) |
| Abstract: | This article sets up a model of fee rate of wealth management products for Chinese banks based on bank＇s goal and gets the analytical framework of fee rate of wealth management products through discussion of bank behaviors under different goals.It shows that there exists optimal fee rate of wealth management products that can enhance the economic and social benefits of banks to the most and is not a fixed value,but a dynamic concept.The bank will increase the fee rate when considering the economic benefit only.Increasing the fee rate will have a positive effect on the realization of bank＇s comprehensive goal.Reducing the fee rate won＇t have any effect on the realization of bank＇s comprehensive goal. |
| Keywords: | bank wealth management products fee rate |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ | |
