我国商业银行资产管理业务发展研究

发布时间：2018-03-24 19:14

本文选题：商业银行　切入点：资产管理　出处：《山东大学》2016年硕士论文

【摘要】：近年来,受到外部复杂多变的经济金融形势和内部转型升级的影响,部分商业银行资产规模、营业收入及经济利润不同程度的出现了止涨甚至下滑态势,加之金融消费者需求的不断变化和提升,传统的产品和服务难以满足其个性化要求,探索一种相对轻资本占用、高收入回报的发展模式成为当务之急,资产管理业务在如此背景下顺势而出。2004年,中国光大银行发行了国内商业银行首款理财产品,这被视为资产管理业务的“开山之作”,此后各商业银行纷纷跟进,经过十余年的发展,资产管理业务在产品研发、出口对接、风险控制等方面都形成了较为成熟的操作模式,截至2015年6月末,银行资产管理业务达48.05万亿元,在全部资产管理业务中占比为66.67%,而且这一比例在过去3年来均呈上升趋势,显示出了良好的生命力和延展力。资产管理业务为一种轻资本占用业务,资金来源和所有权均为金融投资者,商业银行仅承担管理职责,并收取相应的管理费用和业绩报酬,本身不承担任何风险。这种特殊的产品属性和模式设计,不但减轻了商业银行的运营成本,丰富了产品体系和业务结构,也为其带来了可观的利润收入,客观上也提高了实体经济的直接融资比重,而这也正是本文的研究意义所在。通过对资产管理业务的研究,一方面可以进一步认清资产管理业务发展的现状,直面挑战；另一方面,能够为资产管理业务的持续、稳健发展提供宏观的路线引导和微观的概念代入,推动银行业资产管理业务进入2.0发展新时代。本文对资产管理业务的研究,可谓跨度长、宽度广、角度新,在广泛吸取前人研究智慧结晶的基础上,较系统地对资产管理业务的发展历程、当前现状、操作模式、存在问题、面临挑战、转型路径等进行了全方位的分析研究,相关的数据详实、案例真实,一方面对商业银行资产管理业务发展历程及现状进行了分析,客观、立体呈现了资产管理业务全维度状况；另一方面结合时代特点,从互联网+思维、净值化产品设计、刚兑规则破除、代客本源回归等方面,阐述了资产管理业务转型的具体切入点导入,路径清晰明确,可操作性强,对于推动商业银行自身内涵式增长抑或优化收入及利润结构,乃至加快金融体制改革、助推实体经济发展都具有较强的现实意义.
[Abstract]:In recent years, under the influence of the complex and changeable external economic and financial situation and the internal transformation and upgrading, some commercial banks' assets scale, operating income and economic profits have been increasing or even declining to varying degrees. In addition, with the constant change and promotion of financial consumer demand, it is difficult for traditional products and services to meet their personalized requirements. Therefore, it is urgent to explore a development model of relatively light capital occupation and high income return. In 2004, Everbright Bank of China issued the first wealth management product of domestic commercial banks, which is regarded as a "pioneering act" of asset management business, and commercial banks have followed suit since then. After more than a decade of development, asset management business has formed a more mature operating mode in product research and development, export docking, risk control, etc. By the end of June 2015, bank asset management business had reached 48.05 trillion yuan. Accounts for 66.67% of the total asset management business, and this proportion has been on the rise over the past three years, showing good vitality and extensibility. The source and ownership of the funds are financial investors, and the commercial banks are only responsible for management, and receive the corresponding management fees and performance rewards, without any risk per se. This particular product attribute and pattern design, It not only reduces the operating costs of commercial banks, enriches the product system and business structure, but also brings them considerable profit income, and objectively increases the proportion of direct financing in the real economy. This is exactly the significance of this paper. Through the research of asset management business, on the one hand, we can further understand the current situation of asset management business development and face the challenges; on the other hand, it can help the asset management business to continue. Steady development provides macro-route guidance and micro-concept substitution, and promotes banking asset management business to enter a new era of 2.0 development. The research on asset management business in this paper can be described as long span, wide width and new angle. On the basis of absorbing the wisdom of predecessors widely, this paper systematically analyzes the development course, current situation, operation mode, existing problems, challenges and transition path of asset management business. The relevant data are detailed, the case is true. On the one hand, it analyzes the development course and current situation of asset management business of commercial banks, objectively and stereoscopically presents the full dimensional status of asset management business; on the other hand, it combines the characteristics of the times, From the aspects of Internet thinking, net-value product design, breaking of the rules, and the return of the original source of the client, the paper expounds the specific breakthrough point of the transformation of asset management business, the path is clear and clear, and the operation is strong. It is of great practical significance to promote the implicit growth of commercial banks or to optimize the structure of income and profit, and even to accelerate the reform of financial system, and to boost the development of real economy.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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