中国商业银行银信合作业务研究

发布时间：2018-03-14 01:25

本文选题：银信合作　切入点：商业银行　出处：《辽宁大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国金融改革的不断深入，利率市场化改革和民营资本进入银行业进程的加快，银行业的竞争日益激烈，单独依靠存贷款利差来维持商业银行的高收益的模式需要做出改变。商业银行必须加大力度发展银信合作业务，使之成为商业银行新的利润增长点。从商业银行的角度分析，银信合作业务正处于蓬勃发展的黄金时期，将银信合作业务作为商业银行的重点业务之一，可以改善商业银行的资产负债结构，改变盈利模式，这样，商业银行的核心竞争力才会大幅提高。但是，由于商业银行开展银信合作业务的时间还短，银信合作业务相比于欧美发达资本市场而言，技术水平、产品成熟度和创新能力都有待提高。我国银信合作业务还存在法律法规不健全、产品结构设计同质化、售后服务不到位和风险管理不完善等问题，阻碍了商业银行进一步发展银信合作业务。本文以银信合作业务为研究对象，从商业银行的角度出发，采用理论与实证相结合的分析方法，既有定性分析又有定量分析。首先从银信合作业务的现状入手，分析了其规模、风险、收益及基本特征，指出存在的问题和分析其中的原因。然后分析银信合作业务对我国宏观经济层面的正负影响，，最后，针对银信合作业务出现的问题、风险和负面影响，提出对策建议。
[Abstract]:With the deepening of China's financial reform, the reform of interest rate marketization and the acceleration of the process of private capital entering the banking industry, the competition of the banking industry is becoming increasingly fierce. The mode of relying solely on deposit and loan spreads to maintain the high returns of commercial banks needs to be changed. Commercial banks must make greater efforts to develop the cooperative business of Bank and Credit to become a new profit growth point of commercial banks. From the point of view of commercial banks, it is necessary to analyze it from the point of view of commercial banks. The cooperative business of Bank and Credit is in a golden period of vigorous development. Taking the cooperative business of Bank and Credit as one of the key businesses of commercial banks can improve the structure of assets and liabilities of commercial banks and change the profit model. The core competitiveness of commercial banks will be greatly improved. However, due to the short time for commercial banks to carry out the cooperative business, the technical level of the cooperative business is more advanced than that of the developed capital markets in Europe and the United States. The product maturity and innovation ability need to be improved. There are still some problems such as imperfect laws and regulations, homogenization of product structure design, inadequate after-sales service and imperfect risk management. Hinders the commercial bank to further develop the bank letter cooperation service. This paper takes the cooperative business of Yinxin as the research object, from the angle of the commercial bank, adopts the analysis method which combines the theory and the demonstration, has the qualitative analysis as well as the quantitative analysis. This paper analyzes its scale, risk, income and basic characteristics, points out the existing problems and analyzes the reasons there.Then, it analyzes the positive and negative effects of Yinxin's cooperative business on the macro-economic level of our country, and finally, aiming at the problems of Yinxin's cooperative business, Risk and negative effects, put forward countermeasures and suggestions.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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