建设银行甘肃分行投资银行业务创新方案设计

发布时间：2018-08-09 06:55

【摘要】：近年来,我国金融市场发生了深刻变化。首先,企业融资渠道逐渐多元化；其次,利率市场化趋势愈加明显。这势必要压缩银行业长期赖以盈利的传统存贷利差空间,如何拓宽银行业盈利渠道,全面提高收入多样性是建设银行甘肃分行所面临的重大挑战。通过发展投资银行业务来大幅提升中间业务收入无疑就成了建设银行甘肃分行的首选,这也符合国际银行业的惯例。本文立足投行业务创新视角,运用SWOT分析法,对建行甘肃分行投行业务发展作了全面分析和研究,结果表明：甘肃分行投行业务的优势在于长期的客户资源积累、网络覆盖面的立体化以及自身已经建立起来的品牌优势。甘肃分行投行业务的劣势在于分业制度安排下对投行业务发展的制约、所需专业人才的稀少以及业务创新能力不足。甘肃分行投行业务发展的机遇来自于我国经济增长环境、金融市场的巨大变革,并且由此产生的客户的需求变化也会带来投行业务发展的机遇。甘肃分行投行业务的发展面临的威胁主要来自于省内同业竞争的加剧以及日趋严格的内外部监管条件。基于以上分析结果,本文最终提出了建行甘肃分行投资银行业务创新方案。建行甘肃分行虽然属于大型国有商业银行,但与国际上公认的纯粹意义上的投资银行机构有着本质的区别,加之处于不同的国情下,肩负的社会责任截然不同。既要对赚取存贷款利差等传统盈利模式依靠惯性继续挤压投资银行业务发展空间保持警觉,更要对名义上是投资银行实际上属于传统贷款的做法保持警觉。在目前我国银行业经营的各类业务中,投资银行业务是对资本市场变化感知最敏锐的业务,是帮助客户解决融资困难最有效的手段之一,因此,要进一步加强发展投资银行业务的对策：迅速提高通过投资银行发展中间业务,实现中间业务收入重要性的认识是目前建行甘肃分行的首要任务：在不违反各方监管要求的前提下,不断创新信贷机制,赋予投资银行内部运行机制一定的自主性、灵活性,为投行业务释放越来越大的发展空间；充分利用网络覆盖面的立体化以及自身已经建立起来的品牌优势培育一批具有较高忠诚度、较高业务贡献度的客户群体,借助客户推荐客户,不断提高客户对建行甘肃分行投行业务品牌的认知度；坚持在业务发展中控制风险的观点。本文基于上述认识对建行甘肃分行投行业务从五个方面进行了设计,对投行业务创新中必须遵守的原则和方向进行了揭示,对投行业务的考核以及风险内控机制进行了安排,设计了投行业务运行机制。
[Abstract]:In recent years, profound changes have taken place in the financial market in China. Firstly, the financing channels of enterprises are gradually diversified; secondly, the trend of interest rate marketization is becoming more and more obvious. It is necessary to compress the traditional deposit and loan difference space of the banking industry for a long time, how to widen the banking profit channel, and improve the income diversity is the Gansu branch of the Construction Bank. The major challenge facing the Gansu branch of the Construction Bank, which is also in line with international banking practices, is undoubtedly the first choice for the Construction Bank to increase the income of the middle business by developing the investment banking business.
Based on the perspective of investment business innovation and SWOT analysis, this paper makes a comprehensive analysis and Research on the investment bank business development of Gansu branch of China Construction Bank. The results show that the advantages of the investment banking of Gansu branch lie in the long-term accumulation of customer resources, the stereoscopic coverage of the network and the brand advantages that have been established by themselves. The investment bank of the branch of the branch of the Gansu branch is the investment bank of the branch of the branch. The disadvantage of the business lies in the restriction of the investment bank's business development, the scarce professional talents and the lack of business innovation ability. The opportunities for the development of the investment bank of Gansu branch come from the economic growth environment of our country, the great changes in the financial market, and the change of the demand for the resulting customers will also bring investment banking business. The development of investment banking business of Gansu Branch is mainly threatened by the intensification of intra-provincial competition and increasingly stringent internal and external regulatory conditions.
Based on the above analysis results, this paper finally puts forward the innovation project of investment bank of Gansu branch of China Construction Bank. Although Gansu branch of CCB belongs to a large state-owned commercial bank, it is essentially different from the internationally recognized investment banking institutions in pure meaning. In addition, the social responsibility of the CCB is completely different under the different national conditions. It is necessary to maintain the vigilance of the traditional profit pattern, such as the profit margin of the profit margin, and so on, to continue to squeeze the development space of the investment bank, and to keep the vigilance of the practice that the investment bank actually belongs to the traditional loan. In the various types of business of our banking industry, the investment banking business is a sense of the change of the capital market. The most acute business is one of the most effective means to help the customers to solve the financing difficulties. Therefore, to further strengthen the strategy of developing the investment banking business, it is the primary task of the Gansu branch of the CCB to improve the understanding of the importance of the middle business through the development of the intermediate business through the investment bank. On the premise of the requirement, continuous innovation of credit mechanism gives the investment bank internal operating mechanism a certain autonomy and flexibility to release more and more space for investment banking, making full use of the three-dimensional network coverage and the established brand advantages to foster a higher loyalty and higher business contribution. The customer group, with the help of customer recommendation, constantly improves the customer's recognition of the bank investment bank of the Gansu branch of China Construction Bank, and insists on controlling the risk in the business development. Based on the above understanding, this paper designs the investment bank of the CCB Gansu branch from five aspects, and the principles and parties must be observed in the investment bank's business innovation. This paper reveals the assessment of investment banking and the mechanism of risk internal control, and designs the operation mechanism of investment banking.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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