发展我国商业银行同业业务的探索
发布时间：2018-08-01 18:54
【摘要】：21世纪以来,伴随全球经济自由化和一体化进程的加快,国内金融运行环境发生重大变化。利率市场化的推进极大地冲击了商业银行传统依靠利差收入的经营模式,经济资本的约束和金融监管政策的不断逼近迫使商业银行调整业务发展思路,混业经营格局的形成也客观上要求商业银行调整服务职能,实现业务创新。在此背景下,商业银行同业业务应运而生并获得飞速发展。商业银行金融同业业务最初限于商业银行之间的拆借,以解决短期流动性,而如今同业业务逐渐发生质的变化,发展成商业银行通过加强与券商、基金公司、保险公司等金融同业机构的合作,利用同业拆入资金或理财资金,扩大各种表外资产、当前除了传统的同业存放、同业拆借、同业票据转贴现,又衍生出同业代付、同业偿付、买入返售等各种“创新”。同业资产和同业负债迅速膨胀,其中国有商业银行同业资产增长速度相对较快,股份制银行中,兴业、民生、平安的同业资产规模膨胀居前,城商行的同业资产增速较低。并且随着同业资产规模膨胀,可以看到各家银行同业业务利息收入占全部利息收入的比重快速上升,盈利能力稳步提升。同业业务快速发展的重要原因在于银行通过同业资产和期限的错配进行套利。然后这种长期的错配隐含巨大的风险,同时银行过度的非标资产化都为同业业务的发展埋下巨大的隐患。钱荒危机的发生要求商业银行必须流动性管理的重要性,审视同业业务的发展。同业业务的健康有序发展要求拥有成熟的市场支撑、完善的监管政策和自由化的市场环境,这些都是商业银行未来努力的方向。
[Abstract]:Since the 21st century, with the acceleration of the process of global economic liberalization and integration, the domestic financial operating environment has undergone major changes. The promotion of interest rate marketization has greatly impacted the traditional business model of commercial banks, which depends on the interest rate difference income. The constraint of economic capital and the approaching of financial supervision policy force commercial banks to adjust their business development ideas. The formation of mixed operation pattern also requires commercial banks to adjust their service functions and realize business innovation. Under this background, commercial interbank business emerges as the times require and obtains the rapid development. Commercial bank financial interbank business was initially limited to lending between commercial banks in order to solve short-term liquidity. But now the interbank business has gradually changed qualitatively and developed into a commercial bank through strengthening securities firms, fund companies, The cooperation of insurance companies and other financial interbank institutions, using interbank offered funds or financial management funds, to expand all kinds of off-balance sheet assets. At present, in addition to traditional interbank deposits, interbank borrowing, interbank bills being reposted, interbank payments are derived from interbank payments and interbank reimbursements. Buy back and sell all kinds of "innovation". Interbank assets and interbank liabilities are expanding rapidly, in which state-owned commercial banks' interbank assets are growing relatively fast. Among joint-stock banks, the scale of interbank assets of Societe Generale, people's livelihood and Ping an is in the leading position, while the growth rate of City Commercial Bank's interbank assets is relatively low. And with the expansion of interbank assets, it can be seen that the interest income of interbank business accounts for the proportion of total interest income rising rapidly, and profitability increases steadily. The important reason for the rapid development of interbank business is that banks carry out arbitrage through mismatch of interbank assets and maturities. Then this long-term mismatch implies huge risks, and the excessive non-standard assets of banks are a huge hidden danger for the development of interbank business. The crisis of cash shortage requires the importance of liquidity management for commercial banks to examine the development of interbank business. The healthy and orderly development of interbank business requires mature market support, perfect supervision policy and liberalized market environment, all of which are the direction of future efforts of commercial banks.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
本文编号：2158516
[Abstract]:Since the 21st century, with the acceleration of the process of global economic liberalization and integration, the domestic financial operating environment has undergone major changes. The promotion of interest rate marketization has greatly impacted the traditional business model of commercial banks, which depends on the interest rate difference income. The constraint of economic capital and the approaching of financial supervision policy force commercial banks to adjust their business development ideas. The formation of mixed operation pattern also requires commercial banks to adjust their service functions and realize business innovation. Under this background, commercial interbank business emerges as the times require and obtains the rapid development. Commercial bank financial interbank business was initially limited to lending between commercial banks in order to solve short-term liquidity. But now the interbank business has gradually changed qualitatively and developed into a commercial bank through strengthening securities firms, fund companies, The cooperation of insurance companies and other financial interbank institutions, using interbank offered funds or financial management funds, to expand all kinds of off-balance sheet assets. At present, in addition to traditional interbank deposits, interbank borrowing, interbank bills being reposted, interbank payments are derived from interbank payments and interbank reimbursements. Buy back and sell all kinds of "innovation". Interbank assets and interbank liabilities are expanding rapidly, in which state-owned commercial banks' interbank assets are growing relatively fast. Among joint-stock banks, the scale of interbank assets of Societe Generale, people's livelihood and Ping an is in the leading position, while the growth rate of City Commercial Bank's interbank assets is relatively low. And with the expansion of interbank assets, it can be seen that the interest income of interbank business accounts for the proportion of total interest income rising rapidly, and profitability increases steadily. The important reason for the rapid development of interbank business is that banks carry out arbitrage through mismatch of interbank assets and maturities. Then this long-term mismatch implies huge risks, and the excessive non-standard assets of banks are a huge hidden danger for the development of interbank business. The crisis of cash shortage requires the importance of liquidity management for commercial banks to examine the development of interbank business. The healthy and orderly development of interbank business requires mature market support, perfect supervision policy and liberalized market environment, all of which are the direction of future efforts of commercial banks.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
【参考文献】
相关硕士学位论文 前1条
1 陈博;基于SWOT分析的我国商业银行同业业务发展研究[D];长安大学;2011年
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