中国商业银行资产业务创新研究

发布时间：2018-06-17 14:39

本文选题：商业银行 + 资产业务　；参考：《辽宁大学》2014年硕士论文

【摘要】：随着利率市场化改革的逐步深入，我国银行业面临严峻的挑战，同时也会面临巨大的竞争压力。过去，中国银行业在发展资产业务过程中取得了很好的成绩。随着利率市场化改革的加速，资产业务一定会催生出更多新的产品，使商业银行获得更大的发展空间。商业银行应充分认识到资产业务创新过程中存在的问题，可能遇到的风险，抓紧采取应对措施，加快经营转型的步伐，提升风险管理水平，实现自身的可持续发展。本文系统介绍了金融创新运用的理论基础，中国商业银行业资产业务发展创新的现状，中国商业银行目前的资产规模。目前，，商业银行的资产业务创新还存在很多不足的方面，尚处于发展阶段，中国商业银行仍然需要根据我国经济发展的速度对自身资产业务进行创新，为中国银行业赢得更长远的发展。本文主要以我国大型商业银行和具有较大规模的股份制商业银行的数据作为基础，对中国商业银行的资产业务进行了系统的分析，主要针对的是资产业务中的贷款业务和证券投资业务，概括了商业银行目前的资产规模和资产业务创新现状，概括了资产业务创新存在的诸多问题，以及造成这些问题的原因，资产业务创新过程中可能遇到的风险，针对分析的内容和存在的不足提出了中肯的建议。本文创新性地提出了我国商业银行资产业务创新发展提出了方向，在银行内部控制、监管机构加强监管力度、建立个人信用体系、加速金融领域立法进程等多方面提出了对风险防范的注意。最后，本文对我国商业银行对资产业务在创新过程中业务品种、适用范围和对象的选择三个方面，提出了产品中票据业务、银团贷款业务、个人信用卡业务、个人投资贷款、资产证券化、离岸贷款产品方面的创新建议。针对我国商业银行投资方面，本文在交易方式、经营范围等方面对此项资产业务创新提出了建议。
[Abstract]:With the deepening of interest rate marketization reform, China's banking industry is facing severe challenges, but also facing enormous competitive pressure. In the past, the Chinese banking industry in the development of asset business process has made good achievements. With the acceleration of the reform of interest rate marketization, the asset business will produce more new products and make the commercial banks have more room for development. Commercial banks should fully realize the existing problems and risks in the process of innovation of asset business, take countermeasures to accelerate the pace of operation transformation, improve the level of risk management, and realize their own sustainable development. This paper systematically introduces the theoretical basis of the application of financial innovation, the current situation of the development and innovation of China's commercial banking asset business, and the current asset scale of China's commercial banks. At present, there are still many deficiencies in the innovation of assets business of commercial banks, which are still in the development stage. Chinese commercial banks still need to innovate their assets business according to the speed of economic development of our country. For the Chinese banking industry to win a longer-term development. Based on the data of large commercial banks and joint-stock commercial banks in China, this paper makes a systematic analysis of the assets business of Chinese commercial banks. It mainly aims at the loan business and securities investment business in asset business, summarizes the current status of assets scale and asset business innovation of commercial banks, summarizes many problems existing in asset business innovation, and the causes of these problems. In view of the contents and shortcomings of the analysis, the paper puts forward some pertinent suggestions on the risks that may be encountered in the process of asset business innovation. This paper creatively puts forward the direction of the innovation and development of the assets business of the commercial banks in our country. In the internal control of the banks, the regulators strengthen the supervision and establish the personal credit system. Speeding up the legislative process in the field of finance and other aspects put forward the attention to risk prevention. Finally, this paper puts forward three aspects of commercial banks' choice of business variety, application scope and object in the process of innovation of assets business, including bill business, syndicated loan business, personal credit card business, personal investment loan. Asset securitization, offshore loan products for innovative advice. In view of the investment of commercial banks in China, this paper puts forward some suggestions on the innovation of this asset business in the aspects of transaction mode and business scope.
【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】：F832.2

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