我国商业银行投资银行业务的发展研究

发布时间：2018-02-23 19:05

本文关键词： 商业银行投资银行金融控股公司　出处：《广西大学》2014年硕士论文　论文类型：学位论文

【摘要】：从整个世界的金融业来说,混业经营成为一种趋势,西方国家采用改变法律制度的方式,开展商业银行投资银行业务。当前,随着我国对外开放不断深化,与外界交往日益密切,我国的金融市场也逐步向外国金融机构开放,这对我国国内的商业银行造成冲击。同时,随着我国金融业改革的深化,利率市场化步伐不断加快,资本市场也在迅速发展,这对以存贷款利差为主要利润来源的我国商业银行来说,形成了巨大的压力。因此,我国商业银行积极去开拓投资银行业务,既有外在压力,也有内在的动力。商业银行开展投行业务,实行多元化经营,有利于拓宽收入渠道,提高自身竞争力,实现转型的目标,为将来广泛参与国际业务打下坚实的基础。本文首先对我国商业银行投行业务的发展现状进行分析,从相关法律法规、经营模式、以及业务现状分析,从中找到我国商业银行投行业务存在的问题,并对成因进行分析,然后介绍了国外已有的商业银行参与投资银行业务的模式,分别对美国、德国以及日本的模式进行优劣势分析。其次,结合我国自身的实践,在充分考虑我国现行法律、经济环境以及银行业自身经营特点的情况下,认为金融控股公司的模式是我国商业银行参与投资银行业务的最佳模式。最后,针对问题提出了相应的发展对策。
[Abstract]:From the financial industry of the whole world, mixed operation has become a trend. Western countries adopt the method of changing the legal system to carry out commercial bank investment banking business. At present, with the deepening of China's opening to the outside world, With the increasingly close contact with the outside world, the financial market of our country has been gradually opened to foreign financial institutions, which has had an impact on our domestic commercial banks. At the same time, with the deepening of the reform of our financial industry, the pace of interest rate marketization has been accelerated. The capital market is also developing rapidly, which is a great pressure on the commercial banks of our country, whose main profit source is the difference between deposit and loan interest. Therefore, the commercial banks of our country are actively developing investment banking business, which has external pressure. Commercial banks carry out investment banking business and diversified management, which is conducive to broaden revenue channels, improve their competitiveness, achieve the goal of transformation, and lay a solid foundation for broad participation in international business in the future. Firstly, this paper analyzes the present situation of the investment banking business of commercial banks in China, analyzes the relevant laws and regulations, the business model and the present situation of the business, finds out the problems existing in the investment banking business of the commercial banks of our country, and analyzes the causes of the problems. Then it introduces the models of foreign commercial banks participating in the investment banking business, and analyzes the advantages and disadvantages of the models of the United States, Germany and Japan. Secondly, combined with the practice of our country, we are fully considering the current laws of our country. Under the circumstances of economic environment and the banking industry's own operating characteristics, it is considered that the mode of financial holding company is the best mode for Chinese commercial banks to participate in the investment banking business. Finally, the corresponding development countermeasures are put forward in view of the problems.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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