债务融资工具承销业务中商业银行的风险分析及管理对策

发布时间：2018-03-06 11:46

本文选题：商业银行　切入点：债务融资工具　出处：《苏州大学》2016年硕士论文　论文类型：学位论文

【摘要】：为响应国务院关于大力发展中国资本市场的号召,进一步活跃货币市场,名目繁多的企业债务融资工具相继出台。企业债务融资工具也可称为债务融资工具,它的推出为企业拓宽了融资渠道,调整了融资结构,使其增加了直接融资的比重。同时,这类金融产品的问世在一定程度上缓解了中小企业融资难的问题。为适应市场的变化,商业银行正努力转变经营模式,大力地拓展债务融资工具承销业务,这有利于商业银行增加中间业务收入。同时各家银行也通过债务融资工具承销业务来争夺优质客户资源。但在业务开展过程中,商业银行若不能做到有效的风险防控,由其引发的风险也会给商业银行带来严重的损失。因此,债务融资工具承销业务风险控制研究对商业银行的发展有着很强的现实意义。本文运用宏观与微观相结合的研究方法,做到理论与实际相结合,以实用为目的,首先分析了本文研究的背景和意义,阐述了深入研究债务融资工具承销业务风险控制将具有非常重要的理论价值和的现实意义。其次,对债务融资工具承销业务风险文献综述与相关理论基础进行了阐述。然后,通过深入分析目前承销业务中的潜在风险点,并从外部因素及内部因素两个方面出发,分析债务融资工具承销业务风险产生的原因。针对外部因素以及内部因素,论述了商业银行应采取的各种控制手段。最后在结论部分,对当前商业银行在进行承销时仍不能解决的问题给出了研究展望以及本文结论。解决商业银行在发展债务融资工具承销业务中风险控制中存在的不足不是一个简单的在短时间内可以完成的问题。这需要不同的领域和不同部门相互协作、共同磨合、共同促进。所以我们应从我国实际国情出发,要充分考虑相关制度以及相应市场机制是否完善等多方面因素,以最具操作性为原则,积极稳妥的完善商业银行承销业务的风险管理。
[Abstract]:In response to the State Council's call for vigorously developing China's capital market and further activating the money market, a variety of corporate debt financing instruments have been introduced. Enterprise debt financing instruments can also be called debt financing instruments. Its introduction broadens the financing channels, adjusts the financing structure and increases the proportion of direct financing. At the same time, the advent of this kind of financial products alleviates to some extent the difficulty of financing for small and medium-sized enterprises. Commercial banks are working hard to change their business models and expand their debt financing instruments to underwriting business. This will help commercial banks to increase their intermediate business income. At the same time, banks will also compete for high-quality customer resources by underwriting debt financing instruments. However, in the process of business development, commercial banks can not achieve effective risk prevention and control. The risk caused by it will also bring serious losses to commercial banks. Therefore, the research on risk control of debt financing instruments underwriting business is of great practical significance to the development of commercial banks. In order to combine theory with practice, this paper first analyzes the background and significance of this study, and expounds the theoretical value and practical significance of further research on risk control of underwriting business of debt financing tools. This paper expounds the risk literature review and related theoretical basis of debt financing instruments underwriting business. Then, through the in-depth analysis of the potential risk points in underwriting business, and from the external factors and internal factors, This paper analyzes the causes of the risk of underwriting business of debt financing instruments. Aiming at the external and internal factors, the paper discusses the various control measures that should be adopted by commercial banks. Finally, in the conclusion part, The research prospect and the conclusion of this paper are given. It is not simple to solve the shortage of risk control in the development of debt financing instrument underwriting business of commercial banks. Single problems that can be done in a short time. This requires collaboration between different fields and departments, So we should proceed from the actual conditions of our country, fully consider the relevant system and whether the corresponding market mechanism is perfect or not, and take the most maneuverability as the principle. Actively and steadily improve the commercial bank underwriting business risk management.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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