B商业银行贵金属业务发展策略研究

发布时间：2018-06-08 19:26

本文选题：贵金属业务 + 商业银行　；参考：《广西大学》2013年硕士论文

【摘要】：黄金自古以来就是财富和地位的象征,也是众人追逐的对象。受国际金融危机、希腊主权债务危机及随之而来的欧洲债务危机、新兴市场经济体通货膨胀、中东和北非等部分地区政局暴乱等因素影响,近几年黄金价格也因避险需求猛增而屡创新高。2008年金融危机以来,黄金价格涨幅达174.66%,铂金价格涨幅144.82%,白银价格涨幅更是高达434.01%。贵金属具有保值、增值、抵抗通胀的金融功效,贵金属价格的暴涨使得以黄金为首的贵金属投资越来越受到投资者的青睐。尤其是在中国,贵金属市场交易规模迅速扩大。国内贵金属市场的蓬勃发展,为开办贵金属业务的商业银行带来了丰厚的利润。国内贵金属市场巨大的消费潜力和投资潜力,也使各家银行越来越重视贵金属业务的发展。本文拟通过分析目前国内外贵金属市场发展现状及国际金融形势,说明在未来一段时间内国内贵金属市场仍有较大发展空间,国内商业银行贵金属业务仍将处于一个上升发展阶段。接着本文通过对比国内主要商业银行贵金属产品特点和国内商业银行贵金属业务发展现状,对目前B商业银行贵金属业务拥有的优势、存在的劣势、面临的机遇和威胁进行了全面的分析研究。最后针对B商业银行自身的优势和劣势,参考先进商业银行贵金属业务发展经验,对B商业银行贵金属业务发展提出了优化业务管理模式,提高产品创新能力和培育市场的能力,重视衍生产品推广,加强风险防范和风险管理等发展建议。
[Abstract]:Gold has been the symbol of wealth and status since ancient times, but also the object of pursuit. Affected by the international financial crisis, the Greek sovereign debt crisis and the subsequent European debt crisis, inflation in emerging market economies, political riots in parts of the Middle East and North Africa, Since the 2008 financial crisis, gold has risen 174.66, platinum 144.82 and silver 434.01. Precious metals have the financial function of keeping value, increasing value and resisting inflation. The soaring price of precious metals makes precious metal investment, led by gold, more and more popular among investors. Especially in China, the scale of the precious metals market is expanding rapidly. The booming domestic precious metals market has brought huge profits to commercial banks that run precious metals business. The huge consumption potential and investment potential of domestic precious metal market also make banks pay more and more attention to the development of precious metals business. By analyzing the present situation of the precious metal market at home and abroad and the international financial situation, this paper points out that there is still much room for the development of the domestic precious metal market in the future. Domestic commercial bank precious metals business will still be in a rising stage of development. Then, by comparing the characteristics of precious metal products of major domestic commercial banks and the present situation of precious metal business development of domestic commercial banks, this paper has the advantages and disadvantages of the precious metals business of B commercial banks at present. The opportunities and threats are comprehensively analyzed and studied. Finally, aiming at the advantages and disadvantages of B commercial bank and referring to the experience of precious metal business development of advanced commercial bank, the paper puts forward the optimized business management mode for the development of precious metal business in B commercial bank. Improve the ability of product innovation and cultivate market, attach importance to derivative product promotion, strengthen risk prevention and risk management and other development suggestions.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】