我国商业银行投资银行业务结构对银行绩效的影响研究

发布时间：2018-12-07 15:59

【摘要】：进入21世纪,世界经济得到迅速发展,银行业的经营环境也发生着重要的变化。传统的银行业务已经无法满足多元化的市场要求,商业银行面临着越来越多的挑战。在国际银行处于混业发展的现代社会,积极开展投资银行业务是提高商业银行核心竞争力、创造新的经济利润点的关键举措和重要支柱。同国外发达国家相比,我国商业银行的投资银行业务还处于初步发展的不成熟阶段,投资银行业务的结构还有待优化,但是综合化经营和多元化经营已经成为我国商业银行的业务发展趋势,如何更好地发展投资银行业务,优化投资银行业务结构,有效应对各种风险和危机,成为现代社会商业银行发展的急需问题。近年来,我国商业银行的利息增长乏力,非息收入占比逐年增长,尤其是由于投资银行业务低成本高利润的特点,我国各大商业银行都建立投资银行业部门,扩大经营区域,拓展投行业务。本文通过中外商业银行发展投资银行业务的对比及国内现状分析,揭示了我国商业银行发展投资银行业务的问题及国外可借鉴的成功经验,并对我国的投资银行业务内容进行细化,通过研究商业银行投资银行业务对商业银行绩效的贡献来研究商业银行发展投行业务的必要性,并且通过研究投资银行业务的细分业务对银行绩效的不同的贡献率来探究我国商业银行投行业务存在的问题和调整的方向。我国各类商业银行要充分利用自身优势,重视资产管理类收入和咨询顾问类收入业务的发展和方向的调整,更好地发展投资银行业务,优化投资银行业务结构,促进银行绩效的提升。
[Abstract]:In the 21 st century, the world economy has developed rapidly, and the operating environment of the banking industry has also undergone important changes. Traditional banking business has been unable to meet the diversified market requirements, commercial banks are facing more and more challenges. In the modern society in which the international banks are in the mixed development, it is a key measure and an important pillar to improve the core competitiveness of commercial banks and create new economic profit points. Compared with the foreign developed countries, the investment banking business of our commercial banks is still in the immature stage of initial development, and the structure of the investment banking business needs to be optimized. However, comprehensive management and diversified management have become the trend of business development of commercial banks in China. How to develop investment banking business better, optimize investment banking business structure, effectively deal with various risks and crises, It has become an urgent problem for the development of commercial banks in modern society. In recent years, the interest growth of commercial banks in China is weak, and the proportion of non-interest income is increasing year by year. Especially, due to the characteristics of low cost and high profit in investment banking, all the major commercial banks in our country have established investment banking departments and expanded their operating areas. Expand investment banking business. Based on the comparison between Chinese and foreign commercial banks in the development of investment banking business and the analysis of the present situation in China, this paper reveals the problems of the development of investment banking business in China's commercial banks and the successful experience that can be used for reference by foreign countries. And the investment banking business content of our country is refined, by studying the contribution of the commercial bank investment bank business to the commercial bank performance, the necessity of the commercial bank to develop the investment bank business is studied. And by studying the different contribution rate of investment banking business to bank performance, this paper explores the existing problems and adjustment direction of investment banking business in China. All kinds of commercial banks in China should make full use of their own advantages, attach importance to the development and adjustment of the income business of asset management and consulting and consultant, and better develop the investment banking business and optimize the structure of investment banking business. To promote bank performance.
【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】：2017
【分类号】：F832.2

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