我国商业银行表外业务发展模式研究

发布时间：2018-04-02 09:55

本文选题：商业银行　切入点：表外业务　出处：《首都经济贸易大学》2013年硕士论文

【摘要】：随着全球一体化和金融自由化的发展,金融创新日新月异,商业银行经营表外化已成为国际金融业发展的趋势之一。为了适应国际和国内金融市场的激烈竞争，发展表外业务已成为我国商业银行的必然选择，因此，对我国商业银行表外业务发展模式进行研究意义重大。本文综合运用了图表分析法、定量和定性分析法等研究方法，梳理了金融创新和表外业务的相关理论，阐述了我国商业银行发展表外业务的必要性和相关风险，借鉴了美国次贷危机对我国商业银行表外业务发展的启示，，分析了我国商业银行表外业务的发展现状和制约因素，最后，针对表外业务发展的制约因素，从宏观环境、内部管理、产品开发、产品定价、产品营销和风险管理等多个角度入手，全面把握表外业务开展的每一个环节，探索性地提出了我国商业银行表外业务的发展模式。本文致力于拓宽已有的研究视角，沿着开展表外业务这条线索，从宏观环境到微观个体，以全面的视角来探索表外业务的发展模式，从而对我国商业银行表外业务的创新实践提供理论和现实指导，以提高商业银行的综合竞争力。
[Abstract]:With the development of global integration and financial liberalization, financial innovation is changing with each passing day, and the externalization of commercial banks' business statement has become one of the trends in the development of international financial industry, in order to adapt to the fierce competition in international and domestic financial markets, The development of off-balance-sheet business has become the inevitable choice of commercial banks in China, therefore, it is of great significance to study the development mode of off-balance sheet business of commercial banks in China. This paper makes use of the research methods of chart analysis, quantitative analysis and qualitative analysis, combs the relevant theories of financial innovation and off-balance sheet business, and expounds the necessity and related risks of developing off-balance-sheet business in Chinese commercial banks. This paper draws lessons from the American subprime mortgage crisis on the development of off-balance sheet business of commercial banks in China, analyzes the present situation and restrictive factors of the development of off-balance sheet business of commercial banks in our country. Finally, in view of the restrictive factors of the development of off-balance sheet business, the paper analyzes the macro environment of the development of off-balance sheet business in China. From the perspectives of internal management, product development, product pricing, product marketing and risk management, we can comprehensively grasp each link of off-balance sheet business. This paper explores the development model of off-balance-sheet business in commercial banks in China. This paper is devoted to broadening the existing research perspective and following the clue of developing off-balance-sheet business, from macro environment to micro individuals. This paper explores the development mode of off-balance sheet business from a comprehensive perspective, thus providing theoretical and practical guidance for the innovation practice of off-balance sheet business in China's commercial banks, so as to improve the comprehensive competitiveness of commercial banks.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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