平安银行投资银行业务现状及发展战略研究

发布时间：2019-04-17 10:17

【摘要】：回顾商业银行的发展历程,发现银行的业务是伴随着国民经济的发展而处于不断的变化之中,从货币兑换到存贷业务,从单纯依靠存贷利差获取利润到现在开展综合金融业务获取高额回报,每一种趋势都是围绕着银行发展规律而不断变化的。随着利率市场化的推进和国外综合金融企业的进驻,国际金融业混业经营的趋势和要求。我国商业银行过度依赖传统商业银行存贷业务的基础经营模式已显颓势。只有充分依靠金融创新,从传统融资中介转向全能型金融机构,加快形成多元化盈利模式,发展金融资产服务业务以及投资银行等业务以提高中间业务收入占比,才能增强我国商业银行在国内、国际市场上的竞争力,保持可持续发展,满足资本市场与货币市场的一致性要求。商业银行开展投资银行业务也源自于此。除了必要性之外,比较优势、政策支持也为我国商业银行开展投资银行业务创造了可行性。但由于现实因素的约束,我国商业银行投资银行业务的发展仍处于起步阶段,仍有待进一步的挖掘和发展。本人所在的平安银行是股份制商业银行,其投行条线的目标市场是以直接金融工具为主要融资渠道的公司客户。本文旨在通过对平安银行内外部环境,特别是平安银行自身的特性,针对性的为平安银行制定投资银行业务的发展战略,以提高投资银行业务的发展,从而增强平安银行的整体竞争力,成为“不一样的银行”。本文共分为六个部分,第一部分为绪论,主要介绍课题研究的背景和意义,第二部分为理论介绍,阐述了所学的有关战略的相关理论;第三部分是对平安银行的外部环境进行分析,概括了国内外商业银行投资银行业务的现状及发展方向,指出了平安银行的潜在竞争者;第四部分则是挖掘平安银行内部的潜力,从平安银行的组织架构、人力资源配置、财务情况、投行业务状况、营销能力、企业文化等方面进行分析;第五部分是对平安银行未来战略的制定提供建议;最后一个部分则是从战略执行的角度分析平安银行应该建立的保障性措施。利用了战略管理的理论和方法,采用宏观与微观、定性与定量相结合层层推进的实证分析方法,整理出平安银行投资银行业务的现状和不足之处,对平安银行投资银行业务的优势与劣势做了分析对比,对平安银行的投资银行业务发展战略进行了深入细致的研究,提出了平安银行投资银行业务的发展战略。
[Abstract]:Looking back on the development of commercial banks, it is found that the business of banks is constantly changing with the development of the national economy, from money exchange to deposit and loan business. From simply relying on deposit-loan spreads to obtain high returns in comprehensive financial business, every trend is constantly changing around the law of bank development. With the promotion of interest rate marketization and the entry of foreign comprehensive financial enterprises, the trend and requirement of mixed operation of international financial industry. China's commercial banks over-rely on the deposit and loan business of traditional commercial banks on the basis of business model has been declining. Only by fully relying on financial innovation, we should shift from traditional financing intermediaries to all-round financial institutions, accelerate the formation of diversified profit models, develop financial asset services and investment banking, and other businesses to increase the share of intermediate business revenue. In order to enhance the competitiveness of China's commercial banks in the domestic and international markets, to maintain sustainable development, to meet the requirements of the consistency of capital market and money market. Commercial banks to carry out investment banking business is also derived from this. In addition to necessity, policy support also creates feasibility for commercial banks to carry out investment banking business. However, due to the constraints of practical factors, the development of investment banking business of commercial banks in China is still in its infancy, and it still needs to be further excavated and developed. My Ping an Bank is a joint-stock commercial bank, the target market of its investment bank line is the direct financial instruments as the main financing channel of the company customers. Through the internal and external environment of Ping an Bank, especially the characteristics of Ping an Bank itself, this paper aims to formulate the investment banking business development strategy for Ping an Bank, so as to improve the development of investment banking business. So as to enhance the overall competitiveness of Ping an Bank, become a "different bank." This article is divided into six parts, the first part is the introduction, mainly introduces the background and significance of the subject research, the second part is the theoretical introduction, elaborated the relevant strategy theory; The third part analyzes the external environment of Ping an Bank, summarizes the current situation and development direction of investment banking business of domestic and foreign commercial banks, and points out the potential competitors of Ping an Bank; The fourth part is to tap the internal potential of Ping an Bank, from the organizational structure of Ping an Bank, human resources allocation, financial situation, investment banking business conditions, marketing capabilities, corporate culture and other aspects of analysis; The fifth part is to make suggestions on the future strategy of Ping an Bank, and the last part is to analyze the safeguard measures that Ping an Bank should establish from the point of view of strategy implementation. Making use of the theory and method of strategic management, adopting the empirical analysis method of combining macro and micro, qualitative and quantitative, to sort out the present situation and deficiency of investment bank business of Ping an Bank. This paper analyzes and compares the advantages and disadvantages of investment banking business of Ping an Bank, studies deeply the development strategy of investment bank business of Ping an Bank, and puts forward the development strategy of investment bank business of Ping an Bank.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【相似文献】