中外商业银行投资银行业务比较研究

发布时间：2018-05-20 11:57

本文选题：商业银行 + 投资银行业务　；参考：《吉林大学》2014年硕士论文

【摘要】：在世界经济迅猛发展的今天，银行业的经营环境也在不断变化，愈来愈激烈的竞争给商业银行的发展带来了严峻的考验，我国市场的逐步开放使得国际变化对我国的影响越来越大，面对西方发达国家的商业银行逐步进入中国市场，给我国商业银行带来了愈发白热化的竞争。要想在这激烈的竞争环境中得以生存，就必须学习借鉴国外商业银行的成功经验，在此基础上寻找新的出路。在国际商业银行的发展趋于混业的情况下，加之利率的市场化，商业银行的利息收入逐渐走低，而中间业务则成为商业银行收入的一大支柱。虽然由美国次贷危机引发的全球金融危机给正在发展的商业银行中间业务以重创，同时暴露了混业经营的风险，但这不能阻止中间业务成为商业银行的收入支柱。在我国，虽然大部分商业银行都已开始发展中间业务，但由于起步较晚，我国商业银行的中间业务大都处于不成熟阶段，如何能更好的发展中间业务而又能成功应对各种突变和危机，成为当下我国商业银行亟待解决的问题。投资银行业务作为商业银行中间业务中的重要组成部分，其越来越重要的地位受到了商业银行的重视。近年来，我国商业银行的主要业务收入仍然是存贷差，但由于投资银行业务低成本高利润的特点，，以及存贷差的逐渐减小，使得我国商业银行纷纷开始重视投资银行业务，分别实施建立投资银行业务部门、开发产品、招揽客户、扩大经营区域、建立自己的营销网络、拓展业务等措施，以此来完善投资银行业务的框架结构，利用自身已有优势，结合我国市场环境，大力发展投资银行业务。本文通过对中外商业银行发展投资银行业务的对比，对我国商业银行从事投资银行业务的现状进行了分析，揭示了我国商业银行所从事的投资银行业务与西方发达国家的差距，并指出了我国商业银行发展投资银行业务中存在的问题。通过对西方发达国家商业银行在从事投资银行业务方面的成功经验的学习借鉴，与我国商业银行发展投资银行业务的现状相结合，对我国商业银行更好发展投资银行业务提出了对策建议。
[Abstract]:With the rapid development of the world economy, the operating environment of the banking industry is also changing. The increasingly fierce competition has brought a severe test to the development of commercial banks. The gradual opening of China's market has made the international change more and more impact on our country, and the commercial banks in the western developed countries have gradually entered the Chinese market. In order to survive in the fierce competition environment, we must learn from the successful experience of foreign commercial banks and find a new way out on this basis.
As the development of the international commercial banks tends to be mixed and the interest rate is marketed, the interest income of commercial banks is gradually declining, while the intermediary business has become a major pillar of the commercial bank's income. The risk of mixed operation can not prevent the intermediary business from becoming the pillar of the commercial bank's income. In our country, although most commercial banks have begun to develop intermediary business, but because of the late start, the middle business of our commercial banks is mostly in the immature stage, how to better develop intermediate business and can successfully deal with each other. Mutation and crisis have become urgent problems for commercial banks in China.
As an important part of the intermediary business of commercial banks, the increasingly important position of investment bank is paid attention to by commercial banks. In recent years, the main business income of commercial banks in China is still the difference between deposit and loan. However, due to the low cost and high profit of the investment bank, and the gradual decrease of the loan difference, it makes our country The commercial banks have begun to attach importance to the investment banking business, implement the investment bank business departments, develop the products, recruit the customers, expand the operation area, establish their own marketing network and expand the business, so as to perfect the framework of the investment banking business, and use their own advantages and combine with the market environment of our country to develop vigorously. Investment banking.
By comparing the investment banking business between Chinese and foreign commercial banks, this paper analyzes the current situation of Chinese commercial banks engaged in investment banking business, reveals the gap between the investment banking business engaged in the commercial banks of our country and the developed countries in the west, and points out the problems existing in the development of the investment banking business of our commercial banks. By learning from the successful experience of commercial banks in western developed countries engaged in investment banking, and combining with the current situation of the development of investment banking in China's commercial banks, some suggestions are put forward for the better development of investment bank business by commercial banks in China.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】