我国商业银行开展投贷一体化实践研究

发布时间：2018-05-20 01:26

本文选题：商业银行 + 私募股权投资　；参考：《北京交通大学》2013年硕士论文

【摘要】：匠年来,在我国私募股权投资行业的迅速发展过程中,商业银行作为资金聚集的金融市场主体,已开始探索贷款与私募股权投资相结合之路。但受限于我国银行业监管政策及商业银行的传统信贷理念束缚,我国商业银行与股权投资机构的合作尚处于探路阶段,多以简单的投贷联动方式尝试将贷款介入提前,以此锁定未来的潜力客户和业务资源,既未在银行内部形成专门体系,也尚未给中小企业及私募产业发展提供足够的动力和资源。本论文通过对国内私募股权投资市场的发展、商业银行经营模式及投贷联动开展实践的现状进行分析,并通过对比国外银行的成功操作模式,梳理我国现行相关法律架构、监管制度,厘清我国商业银行开展此项业务的法律环境与空间,同时对相关法律提出完善建议。更重要的是,为商业银行如何在现行监管制度及市场环境下,搭建投贷一体化业务体系提出设想,并设计可操作性的实践模式,力求为商业银行开展金融创新和在防控风险的同时实现利润创造、价值提升启发思路。
[Abstract]:In the process of the rapid development of private equity investment in China, commercial banks, as the main body of financial market, have begun to explore the combination of loans and private equity investment. However, limited by the banking regulatory policy and the traditional credit concept of commercial banks, the cooperation between Chinese commercial banks and equity investment institutions is still in the exploratory stage. In order to lock in the potential customers and business resources in the future, it has not formed a special system within the bank, nor has it provided enough power and resources for the development of small and medium-sized enterprises and private equity industry. This paper analyzes the development of domestic private equity investment market, the current situation of commercial bank management model and joint investment and loan development practice, and compares the successful operation mode of foreign banks, combing the current relevant legal framework of our country. The supervision system clarifies the legal environment and space for the commercial banks to carry out this business, and puts forward some suggestions for the improvement of the relevant laws. What is more important is to put forward some ideas on how to set up the integrated business system of investment and loan under the current regulatory system and market environment, and to design operational practical models. It aims to enlighten commercial banks to carry out financial innovation and realize profit creation while preventing and controlling risks.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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