NJ银行发展投资银行业务研究

发布时间：2018-01-19 00:28

本文关键词： 城市商业银行 NJ银行投资银行业务研究　出处：《南京农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：在利率市场化、金融脱媒、放开竞争的大背景下,商业银行的信贷资产规模扩张速度减缓、存贷款利差不断缩小,需要寻找新的业务增长空间。投资银行业务具有资本消耗低、承担风险小、综合收益高、市场前景广阔等优势,成为商业银行近年重点发展的新兴业务。总体上看,大型国有商业银行发展投资银行业务具有较强的优势,而城市商业银行中仅有北京银行和NJ银行的发展情况较好,其余大部分城市商业银行或是尚未认识到投资银行业务的重要性,或是发展中困难重重、举步维艰。本文通过NJ银行个案的研究,提炼出中小银行发展投资银行业务的共性问题,为中小商业银行,尤其是城市商业银行发展投资银行业务提供理论支撑和实践参考。本文主要框架为：第一章,阐述研究背景、研究目的和研究方法,综述国内外相关文献。第二章,阐述了投资银行的本质和商业银行发展投资银行业务的理论依据,总结了美国投资银行的“混业到分业、再到混业”发展历程,梳理了我国商业银行发展投资银行业务的历程、宏观、微观动因和竞争态势,分析了NJ银行发展投资银行业务则存在现实动因和理论动因。第三章,分析了NJ银行面临的外部宏观环境和城市商业银行的行业地位和特点,结合波特五力模型分析研究了NJ银行发展投资银行业务面临的机遇和挑战。第四章,分析了NJ银行各项投资银行业务经营情况,重点归纳了投资银行业务的三大核心竞争力,从组织结构、产品线构建、营销策略、人力资源管理、风险文化和内控制度等方面研究NJ银行投资银行业务运行机制,指出了NJ银行发展投资银行业务的优势与劣势。第五章,从发展定位、发展模式、组织构架设计、产品线构建、人力资源管理和风险管理等方面研究了NJ银行投资银行业务的发展对策。第六章,本次研究的结论与展望。总体而言,相对于大型商业银行,城市商业银行面临规模优势不显著、监管限制多、专业人才匮乏、激励机制不灵活、业务创新能力弱等问题,但是,通过专业化的特色经营、精细化的市场细分,部分规模较大的城市商业银行完全有可能发展好投资银行业务。
[Abstract]:Under the background of marketization of interest rate, financial disintermediation and open competition, the expansion rate of credit assets of commercial banks is slowing down, and the spread of deposit and loan interest rate is shrinking. Investment banking has the advantages of low capital consumption, low risk, high comprehensive income and broad market prospects. It has become the key business of commercial banks in recent years. On the whole, large state-owned commercial banks have strong advantages in developing investment banking business. But the city commercial bank only Beijing Bank and NJ Bank's development condition is good, the other most city commercial banks either have not recognized the investment banking business importance, or the development difficulties are heavy. Through the case study of NJ Bank, this paper abstracts the common problems of the small and medium-sized banks to develop the investment banking business, which is the small and medium commercial banks. In particular, urban commercial banks to develop investment banking business to provide theoretical support and practical reference. The main framework of this paper is: the first chapter, describes the research background, research purposes and research methods. The second chapter expounds the essence of investment bank and the theoretical basis of commercial bank to develop investment bank business, and summarizes the development course of American investment bank. Combing the development of investment banking business in China's commercial banks, macro, micro motivation and competition situation, the analysis of NJ bank investment banking business development has realistic motivation and theoretical motivation. Chapter three. This paper analyzes the external macro environment of NJ Bank and the status and characteristics of the city commercial bank, and studies the opportunities and challenges that NJ Bank faces in developing investment banking business with Porter's five-force model. 4th chapter. This paper analyzes the operation of various investment banks in NJ Bank, and summarizes the three core competitiveness of the investment banking business, including organizational structure, product line construction, marketing strategy and human resource management. This paper studies the operational mechanism of NJ Bank's investment banking business from the aspects of risk culture and internal control system, and points out the advantages and disadvantages of NJ Bank's development of investment banking business. Chapter 5th, from the development orientation, the development model. The organizational structure design, product line construction, human resource management and risk management are studied in the aspects of NJ bank investment banking business development countermeasures. 6th chapter, the conclusions and prospects of this study. Overall. Compared with large commercial banks, urban commercial banks are faced with problems such as small scale advantages, many regulatory restrictions, lack of professionals, inflexible incentive mechanism, weak ability of business innovation and so on. Through the specialized characteristic management, the fine market subdivision, some large scale city commercial banks may develop the investment banking business well.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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