I 摘 要 近年来，我国商业银行非标理财业务快速兴起，在带来发展机遇的同时，也 遇到了较多的挑战。因此，如何实现非标理财业务发展并将其作为新的利润增长 点，已成为各大商业银行研究的重点。 非标理财业务研究不仅具有很重要的理论意义，而且对商业银行的发展具有 很重要的现实意义。第一，理论意义。在经济全球化时代，各商业银行之间的为 了能在市场竞争中脱颖而出,不断丰富其理财产品的种类,借助自身的发展优势推 动非标理财业务的发展。因此,对非标理财业务开展进行研究,有利于推动非标理 财业务持续健康的发展。另外，本文的研究进一步丰富了非标理财业务方面的研 究成果；第二，现实意义。本文的研究，对ZG银行非标理财业务的发展具有一 定的指导作用。本文通过理论、案例等对ZG银行非标理财业务进行研究，提出 了ZG银行非标理财业务新模式及保障实施措施。这对ZG银行提升经营理念， 创新业务模式，建立公司竞争优势，实现公司发展具有重要现实意义。 本文试图通过对ZG银行非标理财业务进行深入的研究，探讨目前ZG银行 非标理财业务开展上的优劣势，最终提出合理的改进、提升方法，力求发现新模 式及相应的保障措施，为ZG银行和其他银行提供有价值的数据和建议，以实现 商业银行非标理财业务健康、有序、高效的发展。面对这样一个快速发展的业务 领域，我国各商业银行应在有效管控风险的前提下抓住此次机遇，在市场上获得 优势地位。因此对ZG银行非标理财业务研究开展研究，不仅对ZG银行具有很 重要的意义，同时对我国各商业银行也具有重要的参考价值。 关 键 词：ZG银行；非标理财；研究 论文类型：应用类 选题来源：自选课题 ABSTRACT II ABSTRACT In recent years, the non-standard financial management business of commercial banks in China is rising rapidly , while bringing development opportunities, but also more challenges.In this case, how to realize the development of non-standard financial management business and regard it as a new profit growth point has become the focus of commercial banks. The study of non-standard financial services is not only of great theoretical significance, but also of great practical significance to the development of commercial banks. First, theoretical significance. In the era of economic globalization, in order to be able to stand out in the market competition, commercial banks continue to enrich the types of their financial products, and promote the development of non-standard financial services with their own development advantages. Therefore, the research on non-standard financial services is conducive to the sustainable and healthy development of non-standard financial services. In addition, this study further enriches the research results of non-standard financial services; second, practical significance. The research of this paper has a certain guiding role for the development of non- standard financial management business of ZG bank. This paper studies the non- standard financial management business of ZG bank through theory and cases, and puts forward the new mode of non-standard financial management business of ZG bank and the guarantee measures. This is of great practical significance for ZG bank to improve its business philosophy, innovate its business model, establish its competitive advantage and realize its development. This paper attempts to make an in-depth study on the non-standard financial services of ZG bank, discuss the advantages and disadvantages of the current non- standard financial services of ZG bank, and finally put forward reasonable improvement and promotion methods, and strive to find new models and corresponding safeguard measures, so as to provide valuable data and suggestions for ZG bank and other banks, so as to realize the healthy, orderly and high non-standard financial services of commercial banks Effective development. In the face of such a fast-growing business area, China's commercial banks should seize this opportunity under the premise of effective risk management and control, and gain an advantageous position in the market. Therefore, the research on non-standard financing business of ABSTRACT III ZG bank is of great significance not only to ZG bank, but also to all commercial banks in China. KEY WORDS: Bank of ZG; Non-standard financial services; Research Dissertation type: Research class Subject source: Optional subject 目录 IV 目 录 第一章 绪论 ..............................................1 第一节 研究背景与目的 ...........................................................................................1 一、研究背景 ............................................................................................................1 二、研究目的 ............................................................................................................2 第二节 研究意义 .....................................................................................................2 第三节 国内外研究现状 .........................................................................................2 一、国外研究现状 ....................................................................................................2 二、国内研究现状 ....................................................................................................4 第四节 研究方法与研究内容 .................................................................................5 一、研究内容 ............................................................................................................5 二、研究方法 ............................................................................................................5 第二章 我国商业银行非标理财业务的理论基础 ..................6 第一节 我国商业银行非标理财业务概述 ...............................................................6 二、分类 ....................................................................................................................6 第二节 我国商业银行非标理财业务运作机理 .......................................................8 一、构成要素 ............................................................................................................8 二、运作模式 ............................................................................................................8 第三章 ZG 银行非标理财业务发展现状及环境分析 ..............11 第一节 ZG银行非标理财业务发展现状 .................................................................11 第二节 ZG银行投资非标资产业务分析 .................................................................12 第三节 ZG银行非标理财业务环境分析 .................................................................18 一、内部优势分析 ..................................................................................................18 二、内部劣势分析 ..................................................................................................19 三、外部机遇分析 ..................................................................................................19 四、外部威胁分析 ..................................................................................................20 第四章 ZG 银行非标理财业务提升路径与改进重点 ..............21 第一节 ZG银行非标理财业务提升路径 .................................................................21 一、政策研究 ..........................................................................................................21 二、欧亿·体育（中国）有限公司调研 ..........................................................................................................21 三、客户选取 ..........................................................................................................22 目录 V 第二节 ZG银行非标理财业务改进重点 .................................................................24 一、产品设计 ..........................................................................................................24 三、渠道路径 ..........................................................................................................25 第五章 ZG 银行非标理财业务新模式和保障措施 ................26 第一节 ZG银行非标理财业务新模式 .....................................................................26 第二节 ZG银行非标理财业务保障措施 .................................................................30 一、创新业务流程 ..............................