商业银行高息揽储手段与风险研究分析 工商管理专业VIP专享VIP免费

目录Abstract.............................................................................................................................................................IV引言......................................................................................................................................................................11研究背景及意义...............................................................................................................................................21.1研究背景...............................................................................................................................................21.2研究意义...............................................................................................................................................22商业银行高息揽储手段...................................................................................................................................32.1高息揽储形式多样化...........................................................................................................................32.2高息揽储的新形势—理财产品...........................................................................................................32.3高息揽储越来越隐蔽...........................................................................................................................43商业银行高息揽储的原因分析.......................................................................................................................53.1资金的“稀缺性”...............................................................................................................................53.2金融市场发展迟缓，投资渠道不畅...................................................................................................63.3经济的高增长需要大量资金的支持...................................................................................................63.4管理者缺乏法律意识...........................................................................................................................63.5存在多年的，不完善的利率体系为高息揽存提供了价格空间........................................................64、高息揽储的金融风险....................................................................................................................................84.1增加了银行的经营风险.......................................................................................................................84.2“恶币驱除良币”的后果—金融秩序的崩溃....................................................................................95、制止高息揽储的建议..................................................................................................................................105.1改革体制是根本.................................................................................................................................105.2惩治要追本溯源.................................................................................................................................105.3加大舆论宣传.....................................................................................................................................105.4加强与人行的合作....................................................................................