北京农商银行金融同业业务研究

发布时间：2018-01-10 05:07

  本文关键词：北京农商银行金融同业业务研究　出处：《对外经济贸易大学》2017年硕士论文　论文类型：学位论文

  更多相关文章： 北京农商银行 金融同业业务 同业授信

【摘要】：近年来,我国经济步入新常态,去产能、清理僵尸企业、供给侧改革、环保压力这一系列因素,导致商业银行在传统的信贷业务方面增速放缓。另外,随着我国金融体系的飞速发展和不断完善,各类企业融资渠道呈多样化趋势,这也对传统的信贷业务造成了冲击。加之利率市场化的不断推进,利差不断收窄,商业银行依靠传统的存款、贷款业务扩大规模、提升利润受到制约。在此背景下,各商业银行纷纷大力发展金融同业业务,以同业资产弥补信贷资产增速不足,同业资产、同业负债以及同业业务所贡献的利润增速明显,在一些银行机构中,尤其是在同业资产和利润贡献度方面,甚至已经超过了信贷、零售等业务。北京农商银行作为一家由农信社改制而来的中等商业银行,在传统业务发展阻力较大的情况下,近年来金融同业业务也有着较为迅速的发展,但与先进银行同业相比,仍存在一定的不足。本文通过大量的文献资料、数据收集整理,分析北京农商银行金融同业业务近年来的发展状况,在同业授信、内部评级、同业业务流程、同业业务数据等方面,与先进他银行同业横向对比,充分利用实证分析法、比较分析法、文献查阅法、SWTO分析法等途径,找出其在盈利能力、产品创新、内部管理、系统支持、业务结构、风险控制等方面的不足,并结合自身优势,有针对性提出一些优化建议、发展思路与保障措施,主要包括改善同业业务结构、加强产品创新、加速业务资质申请、优化FTP制度、扩大同业负债、做实同业授信、推进系统化建设、加强同业合作,在保障措施上,应做好人才保障、经营理念保障、风险控制保障等。本文与以往其他国内研究相比的创新之处,是不仅仅局限与业务本身的分析比较,同时将与金融同业业务配套的同业授信、FTP定价融入进来,对其他中小商业银行机构有着借鉴意义。
[Abstract]:In recent years, China's economy has entered a new normal, to capacity, clean up zombie enterprises, supply-side reform, environmental pressure, leading to commercial banks in the traditional credit business growth slowed. With the rapid development and continuous improvement of China's financial system, all kinds of enterprise financing channels show a diversified trend, which also has a impact on the traditional credit business. Commercial banks rely on traditional deposits, loan business to expand the scale, enhance profits are restricted. In this context, commercial banks have vigorously developed financial interbank business, with interbank assets to compensate for the lack of credit assets growth. The contribution of interbank assets, interbank liabilities and interbank businesses has increased significantly, and in some banking institutions, especially in terms of the contribution of interbank assets and profits, it has even exceeded credit. Retail and other business. Beijing Agricultural and Commercial Bank as a medium-sized commercial bank from the reform of rural credit cooperatives, in the case of greater resistance to the development of traditional business, in recent years, the financial interbank business also has a relatively rapid development. However, compared with the advanced banks, there are still some shortcomings. Through a large number of documents, data collection and collation, this paper analyzes the recent development of financial interbank business in Beijing Agricultural and Commercial Bank, and grants credit to the same bank. Internal rating, interbank business process, interbank business data and other aspects, with the advanced interbank horizontal comparison, the full use of empirical analysis, comparative analysis, literature review method and SWTO analysis methods. Find out its profitability, product innovation, internal management, system support, business structure, risk control and other aspects of the deficiencies, and combined with their own advantages, targeted to put forward some optimization suggestions. The development ideas and safeguard measures mainly include improving the business structure of the same industry, strengthening product innovation, accelerating the application for business qualification, optimizing the FTP system, expanding the interbank liabilities, making the interbank credit, and promoting the systematic construction. Strengthen the cooperation in the industry, in terms of security measures, we should do a good job of talent security, business philosophy security, risk control security. This article compared with other domestic research innovation. It is not only the analysis and comparison of the business itself, but also the integration of FTP pricing with the financial interbank business, which has reference significance for other small and medium-sized commercial banks.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
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本文编号：1403949