我国商业银行资产托管业务发展研究

发布时间：2018-01-01 05:26

本文关键词：我国商业银行资产托管业务发展研究　出处：《南京大学》2017年硕士论文　论文类型：学位论文

【摘要】：从1998年中国证券投资基金首次引用托管制度至今,我国商业银行资产托管业务经过近18年的发展现已成为中国经济金融体系中重要的组成部分。随着资产托管业务的不断发展,如何跟上时代的步伐,满足资本市场、财富管理市场发展的新需求,不断提升服务能力与服务质量,将是资产托管业务面临的巨大挑战。而随着大资管时代资产管理产品的不断创新,客户的多元化需求,对托管的个性化要求也越来越高,托管机构应积极扮演好自己专业角色,体现托管业务专业价值,避免恶性竞争。应积极承担社会责任,勤勉尽责,严格自律,规范服务标准,提升服务质量和效率,切实履行托管人责任,共建托管行业健康发展的良好生态环境。本文就我国商业银行如何探索具有特色的托管服务体系,逐渐开启向以托管为核心的综合性金融服务提供商转型进行一些探讨。商业银行资产托管业务并不是一个国际化的概念,而是一个具有中国特色的法律概念,它是由共同受托人的"托"和保管人的"管"构成,本质上是需要商业银行不仅需要履行基金资产保管人的职能外,还需要和资产管理人一起承担共同受托人的职能。商业银行发展资产托管业务属于轻资本业务,托管费收入可直接提高净资产收益率,是商业银行盈利模式转型的重点业务。商业银行开展资产托管业务具有自身的业务优势,而资产托管业务也推动了商业银行其他业务的开展。近年来,国内多层次资本市场建设不断推进,国民财富迅速积累,资产管理行业蓬勃发展,托管机制不断渗透到经济金融领域的方方面面,资产托管行业迎来良好的发展机遇,托管主体不断扩充,产品与服务范围日益丰富,托管规模持续增长,法规制度日臻完善。我国商业银行资产托管业务起步较迟,和国外发达国家相比,仅仅经过短时间的发展,资产托管业务作为我国银行业的新兴业务已经发展的相对比较成熟,但是快速发展的同时我国商业银行资产托管业务依然存在着不容忽视的问题。为了我国商业银行资产托管业务接下来更好的发展,本文最终提出的对策如下:1是加大资产托管信息系统的研发力度,提高系统运作效率;2是积极进行资产托管业务创新,满足不同客户的个性化需求;3是建立全球客户营销及托管网络系统,顺应人民币国际化的背景;4是加强内控管理,强化业务风险控制。
[Abstract]:From 1998 China securities investment fund first reference managed system so far, asset custody business of commercial banks in China after nearly 18 years of development has become an important part of China economic and financial system. With the continuous development of the asset custody business, how to keep up with the pace of the times, to meet the demand of capital market, the new wealth management market development. To improve service capacity and service quality, will be a huge challenge asset hosting business. With the continuous innovation of asset management product information management, the diverse needs of customers, for hosting personalized requirements are increasingly high, depository institutions should actively play their professional role, reflect the professional value of trust business, to avoid vicious competition should actively undertake social responsibility, diligence, strict self-discipline, standardize services, improve service quality and efficiency, and earnestly fulfill the responsibility of trustee, A good ecological environment for the healthy development of construction industry. The managed hosting service system in this paper, China's commercial banks to explore the characteristic, gradually open to the trust as the core of the comprehensive financial service provider transformation are discussed. The asset custody business of commercial banks is not an international concept, but one with the characteristics of the legal China the concept, which is composed of a co trustee custodian of the "up" and "tube" which is essentially to commercial banks not only need to fulfill the assets of the fund custodian functions, also need to bear the common trustee and asset management functions. The development of commercial bank asset custody business managed capital belongs to the light, fee income can directly improve the rate of return on net assets, is the focus of the business of commercial bank profit model transformation. It has its own business and commercial banks to carry out asset custody business Potential, and asset custody business also contributed to other commercial banks to carry out the business. In recent years, the domestic construction of multi-level capital market development, the rapid accumulation of wealth, the asset management industry vigorous development, hosting mechanism constantly penetrated into all aspects of economic and financial fields, asset management industry ushered in the good opportunities for development, hosting the subject constantly extended range of products and services are increasingly rich, continuous growth of managed scale, laws and regulations are being perfected. The initial asset custody business of commercial banks in China is relatively late, compared with the developed countries, after only a short time development, asset custody business as a new business in China's banking industry development has been relatively mature, but the rapid development at the same time the asset custody business of China's commercial banks still exist problems can not be ignored. In order to asset custody business of commercial banks in China next Good development, finally this paper puts forward the following countermeasures: 1 R & D efforts to increase the asset management information system, improve the operational efficiency of the system; the 2 is to actively carry out asset management business innovation to meet the individual needs of different customers; 3 is the establishment of global marketing and customer trust network system, conform to the internationalization of RMB; 4 is to strengthen internal control business management, strengthen risk control.

【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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