我国商业银行投资银行业务发展问题研究

发布时间：2018-09-11 15:30

【摘要】：近年来，我国银行业全面开放，形成国有银行、中小股份制银行、城市商业银行、农村信用社、中国邮政储蓄银行全面竞争银行传统业务的局面。外资银行则与国内的银行竞争高端银行业务，，银行业的竞争日趋激烈。一方面在资本市场上，我国企业通过创业板、中小板上市的数量增多。与过去相比，优质企业更容易通过发行企业债、接受私募基金、通过项目融资、资产证券化等方式直接融资。银行的存贷业务收入相对降低。另一方面，我国金融活动日益繁荣，国民经济处在转型升级的关键时期，需要有投资银行业务支撑企业并购重组，公开上市，为大型项目融资等等。因此，商业银行开展投行业务具有重要意义。本文采用历史分析法、定性分析法、实证分析和规范分析相结合的方法，以投行业务的起源和国外发展经验、商业银行开展投行业务的现状、形成的竞争格局、不同层次商业银行发展投行业务的建议和风险控制这四个角度展开分析研究。并且就我国商业银行开展投资银行业务优势和劣势提出改进措施。同时，基于投资银行业务的需求是经济发展阶段来决定，因此开展投资银行业务时除了占领市场份额外更应该注重的是风险管理，防止出现投行业务风险带来的巨额损失。针对主要的投行业务类型提出了相应的风险管理措施。
[Abstract]:In recent years, China's banking industry has been fully open, forming a situation in which state-owned banks, small and medium-sized joint-stock banks, urban commercial banks, rural credit cooperatives and postal savings banks of China are competing for the traditional business of banks in an all-round way. Foreign banks compete with domestic banks for high-end banking business. On the one hand, in the capital market, Chinese enterprises through the gem, the number of small-and medium-sized boards listed increased. Compared with the past, high-quality enterprises are more likely to issue corporate bonds, accept private equity funds, through project financing, asset securitization and other forms of direct financing. The bank's deposit and loan business income is relatively low. On the other hand, the financial activities of our country are booming day by day, and the national economy is in the critical period of transformation and upgrading, which needs investment banking business to support the merger and reorganization of enterprises, public listing, financing for large projects, and so on. Therefore, the commercial bank carries on the investment bank business to have the important significance. This paper adopts the methods of historical analysis, qualitative analysis, empirical analysis and normative analysis, taking the origin of investment banking business and foreign development experience as the basis, the present situation of commercial banks carrying out investment banking business and the competitive pattern formed. The suggestion and risk control of different levels of commercial banks to develop investment banking business are analyzed and studied. And puts forward the improvement measure to our country commercial bank to carry on the investment bank service superiority and the inferiority. At the same time, the demand of investment banking business is decided by the stage of economic development, so investment banking business should pay more attention to risk management in addition to occupying market share, so as to prevent huge losses caused by investment banking business risks. According to the main investment banking business types, the corresponding risk management measures are put forward.
【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】：2012
【分类号】：F832.2

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