CAJ | 학술논문

以资产管理理论为基础，以2014年2-4月发行的债券型理财产品预期收益率为研究对象，采用合适计量分析方法，运用Eviews3.1进行实证研究，得出债券型理财产品收益率与委托金额递增单位、投资期限、银行规模正相关，与银行提前终止协议负相关，保本固定较非保本浮动预期收益率低，依据所得模型给出相关政策建议。
이자산관리이론위기출，이2014년2-4월발행적채권형리재산품예기수익솔위연구대상，채용합괄계량분석방법，운용Eviews3.1진행실증연구，득출채권형리재산품수익솔여위탁금액체증단위、투자기한、은행규모정상관，여은행제전종지협의부상관，보본고정교비보본부동예기수익솔저，의거소득모형급출상관정책건의。
The paper, based on the theory of Asset Management and taking the expected rate of return of the bond-type financial products issued from February to April during 2014 as the research object, conducts an empirical research using the appropriate methods of quantitative analysis, and Eviews3.1. It's found that the yield of bond-type financial products is positively related with the increasing unit of principal amount, the investment period and the bank size but is passively related with the termination of the agreement made by the bank in advance. This fixed type financial product is expected to yield lower than non floating type financial products. On the basis of the model obtained, relevant policy recommendations are made.