我国商业银行的投资银行业务发展研究
发布时间：2018-08-25 09:50
【摘要】：21世纪人类已经进入新经济时代，金融创新的程度和力度远超之前。加入世界贸易组织后，我国商业银行业已处于世界竞争的前沿，倍受世界金融创新的影响。国内金融业的开放商业银行使同业竞争日趋激烈,利率的市场化改革使其利润率趋于下降,资本市场的快速发展使间接融资所占比例不断降低,这都要求商业银行不断进行业务创新、开拓新市场。 我国从20世纪90年代中期以来，金融业一直实行“分业经营、分业监管”的体制。但新的经济金融形势使金融业的混业经营成为必然趋势，商业银行发展投资银行业务是其增加收入、提高竞争力的一种有力途径。商业银行业务与投资银行业务之间的差异很大，因此，商业银行在发展投资银行业务时要做好充足的准备，，不能盲目而行，否则会使商业银行面临巨大的风险。我国商业银行开展投资银行业务的历史还不长，与国外同行相比，无论是在模式选择、管理水平、人才建设和产品创新方面都相差较远，需要借鉴国外先进的管理经验并结合自身特点，发展投资银行业务。 本文以我国商业银行的投资银行业务发展为研究对象，在分析了国内外理论研究的基础上，首先对商业银行业务和投资银行业务进行了比较，然后分析了国内外商业银行发展投资银行业务的基本情况。进而运用SWOT分析方法，分析了我国商业银发展投资银行业务的优势和劣势、机会和挑战。最后为我国商业银行的投资银行业务发展提供了战略选择和策略指导。
[Abstract]:Human beings have entered the new economic era in the 21 st century, and the degree and intensity of financial innovation are far higher than before. After joining the World Trade Organization, China's commercial banking industry has been in the forefront of the world competition, and has been greatly influenced by the world financial innovation. The open commercial banks of domestic financial industry make the competition of the same industry more and more intense, the interest rate marketization reform makes its profit rate tend to decline, the rapid development of capital market causes the proportion of indirect financing to decrease continuously. This request commercial bank undertakes business innovation ceaselessly, open up new market. Since the mid-1990s, China's financial industry has been implementing the system of separate operation and supervision. However, the new economic and financial situation makes the mixed operation of the financial industry an inevitable trend, and the development of investment banking is a powerful way for commercial banks to increase their income and enhance their competitiveness. There is a great difference between commercial banking and investment banking. Therefore, commercial banks should make sufficient preparations for the development of investment banking business and should not act blindly, otherwise, commercial banks will face huge risks. The history of investment banking in Chinese commercial banks is not long. Compared with their counterparts abroad, there is a great difference in mode selection, management level, talent construction and product innovation. Need to learn from foreign advanced management experience and combined with their own characteristics to develop investment banking business. In this paper, the development of investment banking business of commercial banks in China is taken as the research object. Based on the analysis of the domestic and foreign theoretical research, this paper first compares the commercial bank business with the investment banking business. Then analyzed the domestic and foreign commercial banks to develop the investment banking business basic situation. Then, the advantages and disadvantages, opportunities and challenges of Chinese commercial banks developing investment banking business are analyzed by using SWOT analysis method. Finally, it provides strategic choice and strategic guidance for the development of investment banking business of Chinese commercial banks.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
本文编号：2202514
[Abstract]:Human beings have entered the new economic era in the 21 st century, and the degree and intensity of financial innovation are far higher than before. After joining the World Trade Organization, China's commercial banking industry has been in the forefront of the world competition, and has been greatly influenced by the world financial innovation. The open commercial banks of domestic financial industry make the competition of the same industry more and more intense, the interest rate marketization reform makes its profit rate tend to decline, the rapid development of capital market causes the proportion of indirect financing to decrease continuously. This request commercial bank undertakes business innovation ceaselessly, open up new market. Since the mid-1990s, China's financial industry has been implementing the system of separate operation and supervision. However, the new economic and financial situation makes the mixed operation of the financial industry an inevitable trend, and the development of investment banking is a powerful way for commercial banks to increase their income and enhance their competitiveness. There is a great difference between commercial banking and investment banking. Therefore, commercial banks should make sufficient preparations for the development of investment banking business and should not act blindly, otherwise, commercial banks will face huge risks. The history of investment banking in Chinese commercial banks is not long. Compared with their counterparts abroad, there is a great difference in mode selection, management level, talent construction and product innovation. Need to learn from foreign advanced management experience and combined with their own characteristics to develop investment banking business. In this paper, the development of investment banking business of commercial banks in China is taken as the research object. Based on the analysis of the domestic and foreign theoretical research, this paper first compares the commercial bank business with the investment banking business. Then analyzed the domestic and foreign commercial banks to develop the investment banking business basic situation. Then, the advantages and disadvantages, opportunities and challenges of Chinese commercial banks developing investment banking business are analyzed by using SWOT analysis method. Finally, it provides strategic choice and strategic guidance for the development of investment banking business of Chinese commercial banks.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
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