我国商业银行同业业务交易模式及影响因素研究

发布时间：2018-03-04 23:07

本文选题：商业银行　切入点：同业业务　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：商业银行的同业业务是指商业银行与其他银行或非银行金融机构互相合作,以银行或其他非银行金融机构为客户进行全面服务与合作的各项业务。最初的同业业务是以平衡短期资金余缺,解决短期的流动性为目的的,但近年来同业业务发生了明显的变化：业务开始以中小型银行为主导,转向以盈利性为交易目的；规模越来越大；涉及主体越来越多；衍生的交易模式越来越复杂。近年来银行同业业务的迅速扩张,流动性紧张、信贷管制、资本稀缺、融资方式改变的经营环境以及商业银行竞争优势差异、非银行金融机构的快速发展等都是其最直接的推动和影响因素。随着流动性的不断紧张,同时货币当局通过控制信贷规模、存贷比率和拨备覆盖率等手段控制商业银行的贷款规模,银行放贷能力大幅下降；随着资本市场的发展,融资方式由间接融资向直接融资转变,大量资金流出银行体系,我国的中小型股份制商业银行和城商行由于自身资源有限、网点数量较少等因素的限制,在对公和对私业务的发展上竞争优势本来就不明显,所以我国的中小型银行创新出了同业业务的形式,同业业务不受信贷规模和政策的限制,节省资本金,同时与其他非银行金融机构间的业务合作,实现资源共享。但是随着监管的不断加码,使得同业业务原有的盈利模式难以为继,同业业务若还以简单地开发同质业务替换原有业务,其发展并不可持续。本文通过深入分析同业业务发展的现状,剖析同业业务衍生的各种交易模式的实质,对商业银行同业业务的影响因素进行理论和实证分析,发现和解决目前我国商业银行尤其是中小型商业银行在同业业务发展上的问题,提出相应的政策建议以期能够规范同业业务的发展,提高监管的效率。
[Abstract]:The interbank business of a commercial bank refers to the cooperation between a commercial bank and other banks or non-bank financial institutions, Any business in which banks or other non-bank financial institutions provide comprehensive services and cooperation to their clients. The original interbank business was aimed at balancing the shortage of short-term funds and resolving short-term liquidity. However, in recent years, the interbank business has changed obviously: the business began to be dominated by small and medium-sized banks and turned to profitability as the purpose of trading; the scale is getting larger and larger; more and more subjects are involved; the derivative trading model is becoming more and more complex. In recent years, the rapid expansion of interbank business, tight liquidity, credit control, capital scarcity, the changing business environment of financing and the difference of commercial banks' competitive advantage, The rapid development of non-bank financial institutions is the most direct driving force and influencing factor. As liquidity continues to strain, the monetary authorities control the size of credit. With the development of the capital market, the mode of financing has changed from indirect financing to direct financing, and a large number of funds have flowed out of the banking system. Because of the limitation of the limited resources and the small number of network, the small and medium-sized joint-stock commercial banks and the city commercial banks in our country have not obvious competitive advantages in the development of public and private business. Therefore, the medium and small banks of our country have innovated the form of interbank business. The interbank business is not limited by the credit scale and policy, and saves capital, at the same time, it can cooperate with other non-bank financial institutions to realize the sharing of resources. However, with the continuous increase of supervision, the original profit model of the same business is difficult to continue. If the same business is still simply developing homogeneous business to replace the original business, By analyzing the current situation of the development of interbank business, this paper analyzes the essence of various transaction models derived from interbank business, and makes theoretical and empirical analysis on the influencing factors of interbank business. In order to standardize the development of interbank business and improve the efficiency of supervision, this paper finds out and solves the problems in the development of interbank business in China, especially the small and medium-sized commercial banks.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.2

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