商业银行金融产品创新的风险传染与免疫研究
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摘要
金融产业日益成为现代经济的主导产业和经济发展的持续推动力,我国商业银行进行金融创新是必然的选择和发展的趋势。但是,以次贷危机为肇始的金融危机以一种特殊的形式向世人展示了金融领域风险积累、风险传染和风险释放对实体经济的深远影响。在商业银行金融创新过程中,加强对创新风险的认识,建立有效的金融产品创新风险管理体系对金融机构十分重要。本文结合创新理论、风险管理理论、人工免疫理论等,对构建基于金融产品创新的金融机构的风险免疫问题进行了研究。
本文的具体研究内容是：
第1章导论。介绍本文研究的背景与意义,进行了理论综述,拟定了全文分析框架。
第2章商业银行金融产品创新的基本理论。界定了金融产品创新的内涵及其效应,描述了我国商业银行金融产品创新的现状,分析了存在的问题,并探讨了制约我国商业银行金融产品创新的因素。
第3章商业银行金融产品创新风险传染模型。界定了金融风险的内涵,构建了金融产品创新链模型,并分析了其特征和运行机理；分析了商业银行金融产品创新风险传染及其规律。
第4章商业银行金融产品创新风险传染要素。分析、归纳和总结了商业银行金融产品创新风险传染的特征,分析了商业银行金融产品创新风险传染的条件、载体和路径以及风险传染规律。
第5章商业银行金融产品创新风险免疫理论。借鉴生物免疫概念,分析了商业银行金融产品创新风险免疫的基本思想和免疫机制,并建立了生物免疫系统与金融产品创新风险免疫系统的映射关系,构建了金融产品创新风险免疫模型。
第6章商业银行金融产品创新风险免疫系统设计与风险监控。第一,分析了商业银行金融产品创新风险免疫系统设计的思路,包括设计步骤、形态空间设定、自体与非自体设定、抗原与抗体设定等；第二,借鉴人工免疫理论,概括了金融产品创新风险免疫的否定选择、克隆选择及免疫进化算法；第三,构建了基于创新过程的商业银行金融产品创新风险免疫模块,并提出了免疫策略；第四是根据残余抗原理论,构建了基于残余抗原的商业银行金融产品创新风险免疫监控体系,提高了风险防控的效力。
第7章案例研究：次贷危机对商业银行金融产品创新的启示。分析了美国次贷危机发生的原因、危机传染条件、传染路径,构建了次贷危机风险传染链,并提出了我国商业银行金融产品创新的风险免疫的启示。
本文的主要创新点有：(1)构建了金融产品创新链模型并进行了分析；(2)建立了商业银行金融产品创新风险传染的小世界网络模型,并揭示了模型对实践的指导意义；(3)构建了金融产品创新风险免疫模型；(4)构建了基于创新过程的商业银行金融产品创新风险免疫模块,并提出了免疫策略。
The financial industry has increasingly become the dominant industry of the modern economy and the sustained impetus of the economic development. Chinese commercial banks implement financial innovation is the inevitable choice and development trend. But the credit crisis, starting from the financial crisis, reflects the financial sectors'profound influence to the real economy with a special form in the fields of risk accumulation, risk infection and risk release. In the process of financial innovation of commercial banks, it is very important to strengthen innovation risk and to establish an effective financial product innovation risk management system. Based on the innovation theory, risk management theory, and the artificial immune theory, the disertation studies the risk immunization problem of the financial product innovation of financial institutions.
This is the specific contents:
Chapter 1 introduction. Introduces the background and significances of the disertation and reviews relative literatures, and put forwards the full analysis framework.
Chapter 2 the basic theory of the financial product innovation of commercial bank. Define the connotation of the financial product innovation and the effect, in China, and describes the current financial product innovation of Chinese commercial banks, analyses the existing problems, and discusses the restrictions of the financial product innovation of commercial banks in China.
Chapter 3 risks infection model of financial product innovation of commercial bank. Define the connotation of the financial risk, constructs the financial product innovation chain model and analyses its characteristics and operation mechanism, analyzes the commercial banks'financial product innovation risks infection and the rules.
Chapter 4 financial product innovation's risk infection elements of commercial banks. Analysis and summarizes the characteristics of commercial bank' financial product innovation risk infection, analyzes the conditions, carrier and and spread paths of the financial product innovation risk infection.
Chapter 5 financial product innovation risk immune theory of commercial banks. Reference biological immune concepts, analyzes the basic idea and the immune mechanism of the commercial bank's financial product innovation risk immunization, and constructs the mapping relationship of financial product innovation risk immune model.
Chapter 6 financial product innovation risk immune system design and risk monitoring of commercial banks. First, analyzes the design ideas of financial product innovation risk immune system of commercial bank, including the design steps, form space, self antigen and antibody set etc. Second, based on the artificial immune theory, summarizes the financial product innovation risk immunization algorithm, including negative selection, clonal selection and immune evolutionary algorithm, Third, constructs the financial product innovation risk immunization module of commercial banks, and puts forward the immunization strategies;Fourth, constructs a theoretical financial product innovation risk control system based on the residual antigens theory, improving the immunity of the risk control.
Chapter 7 case study——significances from the the subprime crisis to commercial banks'financial product innovation. Analyzes the causes, crisis spread conditions, infection paths of the subprime mortgage crisis, constructing the crisis spread chain of the subprime risk, and puts forward the enlightenments to Chinaese commercial bank' financial product innovation risk immunization.
The main innovative points are:(1) constructs a financial product innovation chain model; (2) establish the risk infection model based on the small world network (SWN) of the commercial banks'financial product innovation; (3) builds a financial product innovation risk immune model; (4) constructs the financial product innovation risk immunization module of commercial banks, and puts forward the immunization strategies.
本文的具体研究内容是：
第1章导论。介绍本文研究的背景与意义,进行了理论综述,拟定了全文分析框架。
第2章商业银行金融产品创新的基本理论。界定了金融产品创新的内涵及其效应,描述了我国商业银行金融产品创新的现状,分析了存在的问题,并探讨了制约我国商业银行金融产品创新的因素。
第3章商业银行金融产品创新风险传染模型。界定了金融风险的内涵,构建了金融产品创新链模型,并分析了其特征和运行机理；分析了商业银行金融产品创新风险传染及其规律。
第4章商业银行金融产品创新风险传染要素。分析、归纳和总结了商业银行金融产品创新风险传染的特征,分析了商业银行金融产品创新风险传染的条件、载体和路径以及风险传染规律。
第5章商业银行金融产品创新风险免疫理论。借鉴生物免疫概念,分析了商业银行金融产品创新风险免疫的基本思想和免疫机制,并建立了生物免疫系统与金融产品创新风险免疫系统的映射关系,构建了金融产品创新风险免疫模型。
第6章商业银行金融产品创新风险免疫系统设计与风险监控。第一,分析了商业银行金融产品创新风险免疫系统设计的思路,包括设计步骤、形态空间设定、自体与非自体设定、抗原与抗体设定等；第二,借鉴人工免疫理论,概括了金融产品创新风险免疫的否定选择、克隆选择及免疫进化算法；第三,构建了基于创新过程的商业银行金融产品创新风险免疫模块,并提出了免疫策略；第四是根据残余抗原理论,构建了基于残余抗原的商业银行金融产品创新风险免疫监控体系,提高了风险防控的效力。
第7章案例研究：次贷危机对商业银行金融产品创新的启示。分析了美国次贷危机发生的原因、危机传染条件、传染路径,构建了次贷危机风险传染链,并提出了我国商业银行金融产品创新的风险免疫的启示。
本文的主要创新点有：(1)构建了金融产品创新链模型并进行了分析；(2)建立了商业银行金融产品创新风险传染的小世界网络模型,并揭示了模型对实践的指导意义；(3)构建了金融产品创新风险免疫模型；(4)构建了基于创新过程的商业银行金融产品创新风险免疫模块,并提出了免疫策略。
The financial industry has increasingly become the dominant industry of the modern economy and the sustained impetus of the economic development. Chinese commercial banks implement financial innovation is the inevitable choice and development trend. But the credit crisis, starting from the financial crisis, reflects the financial sectors'profound influence to the real economy with a special form in the fields of risk accumulation, risk infection and risk release. In the process of financial innovation of commercial banks, it is very important to strengthen innovation risk and to establish an effective financial product innovation risk management system. Based on the innovation theory, risk management theory, and the artificial immune theory, the disertation studies the risk immunization problem of the financial product innovation of financial institutions.
This is the specific contents:
Chapter 1 introduction. Introduces the background and significances of the disertation and reviews relative literatures, and put forwards the full analysis framework.
Chapter 2 the basic theory of the financial product innovation of commercial bank. Define the connotation of the financial product innovation and the effect, in China, and describes the current financial product innovation of Chinese commercial banks, analyses the existing problems, and discusses the restrictions of the financial product innovation of commercial banks in China.
Chapter 3 risks infection model of financial product innovation of commercial bank. Define the connotation of the financial risk, constructs the financial product innovation chain model and analyses its characteristics and operation mechanism, analyzes the commercial banks'financial product innovation risks infection and the rules.
Chapter 4 financial product innovation's risk infection elements of commercial banks. Analysis and summarizes the characteristics of commercial bank' financial product innovation risk infection, analyzes the conditions, carrier and and spread paths of the financial product innovation risk infection.
Chapter 5 financial product innovation risk immune theory of commercial banks. Reference biological immune concepts, analyzes the basic idea and the immune mechanism of the commercial bank's financial product innovation risk immunization, and constructs the mapping relationship of financial product innovation risk immune model.
Chapter 6 financial product innovation risk immune system design and risk monitoring of commercial banks. First, analyzes the design ideas of financial product innovation risk immune system of commercial bank, including the design steps, form space, self antigen and antibody set etc. Second, based on the artificial immune theory, summarizes the financial product innovation risk immunization algorithm, including negative selection, clonal selection and immune evolutionary algorithm, Third, constructs the financial product innovation risk immunization module of commercial banks, and puts forward the immunization strategies;Fourth, constructs a theoretical financial product innovation risk control system based on the residual antigens theory, improving the immunity of the risk control.
Chapter 7 case study——significances from the the subprime crisis to commercial banks'financial product innovation. Analyzes the causes, crisis spread conditions, infection paths of the subprime mortgage crisis, constructing the crisis spread chain of the subprime risk, and puts forward the enlightenments to Chinaese commercial bank' financial product innovation risk immunization.
The main innovative points are:(1) constructs a financial product innovation chain model; (2) establish the risk infection model based on the small world network (SWN) of the commercial banks'financial product innovation; (3) builds a financial product innovation risk immune model; (4) constructs the financial product innovation risk immunization module of commercial banks, and puts forward the immunization strategies.
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