Researchon The Investment Operation And Profit Of Bank Financing In Large Information Management Era

With the release of asset management policy in 2012,the era of large information management was coming,since Chinese asset management industry ushered in a round of business innovation,and the asset management industry developed with a rapidspeed.Our country has been through the reform and opening-up for 30 years,economic strength ranks in the forefront of the world,personal and family income are significantly improved,and more individuals and families can be able to follow the era of large information management.After nearly five years of development in the era of large information management,asset management business has an explosive growth,the current balance of bank financing is close to 30 trillion,and the scale is very large.As the main force of the financial management in the era of large information management,it is necessary to conduct the research on it.Firstly,the financial concepts,theory and literature review are analyzed under the background ofthe era of large information management;Then the financial investment direction and operation mode are analyzed,the main directions of investment include debt investment(including billinvestmentand credit asset investment),securities investment(including stockinvestment and bondinvestment)and other investment,operationmodes include trustmode,capital poolmode and one to one mode;Then I analyse the influence factors of bank financial profit through the optimal scaling regression and neural network method.Then this paper analyzes the influence of the investment direction and operation mode of bank financing on the profit,and establish a comprehensive evaluation function to evaluate the financial products by the principal component analysis.Finally,the case of China Merchants Bank is analysed.The author researches the importance of the influence of bank financial profit factors,the importance of the influenceof bank financial profit factors by the optimal scale regression are profit type,bank type,operation mode,investment direction,issue object,excess returns recorded as management fees and distribution area;The importance of the influence of financial profit factors by neural network analysis are investment direction,operationmode,issue object,profit type,bank type,excess returns as management fees and distribution area.Two methods,especially neural network method,get that investment direction andoperationmode are very significant;In addition,from the comprehensive evaluation of bank financial profit of the top 500,we can get that foreign banksare best,Through case analysis of financial products of China Merchants Bank,structured financial products to invest in the stock market with trust umbrella have a greater risk,the commercial bank and the banking sector need to carry on the summary and analysis,strengthen the supervision of financial business.