吉林省Z银行同业专营业务相关问题研究

发布时间：2018-01-17 18:03

本文关键词：吉林省Z银行同业专营业务相关问题研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：银行同业业务在经过2013年-2014年两年调整后,监管部门提出同业专营模式,这使同业业务整体规模在不断扩大,在金融机构中所占地位也在节节升高,金融机构之间合作模式和同业业务产品在发展的过程中不断的创新。但在同业业务发展的过程中,商业银行暴露出很多问题,影响着同业业务做大、做强和做好的目标,找出问题进行研究,提出相应的对策已经成为迫切之需。本文首先对同业业务产品含义和业务合作模式结构初步了解,挖掘同业业务在我国商业银行中发展的具体原因,将我国商业银行发展同业业务按时间顺序分为萌发、调整和新气象三个阶段;本文主要对吉林省Z银行的同业业务发展的问题进行研究,通过细致分析吉林省Z银行在吉林省同业业务中的占比,围绕同业专营这一重大变革为时间点,对比专营前后同业业务的发展情况,诠释同业业务经营的新变化;以新变化为主题,通过同业业务产品的经营情况和监管部门对同业业务专营的影响,归纳出影响吉林省Z银行同业业务发展的问题,包括同业传统业务发展缓慢,缺乏创新、从业人员缺乏经验且业务知识不全面、未建立完整成熟的风险管理机制、吉林省内同业业务资源相对匮乏和人民银行和银监会等外部监管机构监管严格,围绕文中的五个问题,找到问题出现的原因,寻找解决的办法,提出相应的五点对策,包括巩固传统同业业务,创新同业业务产品、增强人员业务综合能力,积累从业经验、扩大省内交易对手及拓展省外合作机构、针对同业业务创新产品制定风险管理机制及同业业务操作风险管理、充分解读监管机构的监管法规,在合规经营中求发展;最后通过从市场情况,风险管理和遵照监管等角度分析关于吉林省Z银行同业业务发展问题解决建议的可行性,以帮助吉林省Z银行做大、做好和做强同业业务。
[Abstract]:After two years adjustment of interbank business from 2013 to 2014, the regulatory department put forward the interbank monopoly mode, which makes the whole scale of interbank business expand continuously. The position in the financial institutions is also rising, the cooperation model between financial institutions and the business products of the same industry in the development process of innovation. But in the process of the development of the same business. Commercial banks exposed a lot of problems, affecting the business of the same industry to grow, strengthen and do a good job of the goal, to find out the problem for research. It has become an urgent need to put forward the corresponding countermeasures. Firstly, this paper has a preliminary understanding of the product meaning of interbank business and the structure of business cooperation mode, and excavates the specific reasons for the development of interbank business in our commercial banks. The development of commercial banks in China is divided into three stages according to the time sequence: germination, adjustment and new weather. This paper mainly studies the development of the interbank business of Jilin Z Bank, through the careful analysis of the share of Jilin Z Bank in the interbank business of Jilin Province, focusing on the interbank monopoly this major change for the time point. Compare the development of interbank business before and after franchise, explain the new changes of interbank business management; With the new changes as the theme, through the operating situation of the interbank business products and the influence of the supervision department on the interbank business monopoly, the problems affecting the development of the interbank business of Z bank in Jilin Province are summed up. Including the slow development of traditional business, lack of innovation, practitioners lack of experience and business knowledge is not comprehensive, has not established a complete and mature risk management mechanism. Jilin Province is relatively short of inter-bank business resources and the people's Bank of China and the Banking Regulatory Commission and other external regulatory bodies are strictly supervised around the five issues in the text to find the causes of the problem and to find solutions to the problem. Put forward the corresponding five countermeasures, including consolidating the traditional interbank business, innovating the products of the same business, enhancing the comprehensive ability of personnel business, accumulating experience, expanding the trade counterparty in the province and expanding the cooperation institutions outside the province. To establish the risk management mechanism and the operational risk management for the innovative products of the same business, fully interpret the regulatory regulations of the regulatory bodies, and seek development in compliance management; Finally, from the market situation, risk management and supervision and other perspectives to analyze the feasibility of solving the problem of Z interbank business development in Jilin Province, in order to help the Z bank in Jilin Province to become bigger. Do well and strengthen the business of the same industry.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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