当前形势下银行和信托在交通运输领域的合作模式探讨

发布时间：2019-01-04 07:53

【摘要】：受国际金融危机和国内宏观调控的影响，我国商业银行在“十二五”国内经济结构调整和发展方式转变的大背景下，传统的赖以生存的经济高增长带动信贷高投放、信贷高投放促进经济高增长的经营环境将不复存在，商业银行通过不断吸收存款、发放贷款做大的经营模式将面临巨大的挑战。银信合作的出现为商业银行带来了新的中间业务增长点,同时也为当前银行业金融机构信贷规模紧缩所带来的企业建设资金短缺问题提供了可能的解决方案。根据规划，“十二五”期间我国国民经济将保持稳定增长，，民生领域投资大幅度增加，交通运输建设作为基础设施最重要的组成部分，在未来的3-5年是将也将迎来跨越式发展。作为国家“十二五”重点投资建设领域，交通运输建设具有投资规模大、建设周期长和对业主实力有严格要求等特点。受国内各地区财政实力及企业自有资金短缺限制，我国各地区项目建设已明显出现放缓的态势，如何解决项目建设资金需求已成为摆在政府和交通建设业主单位急需解决的首要问题。银信合作作为商业银行获取中间业务的重要来源，自发展初期开始一直是商业银行创新的关键领域。随着国内经济的持续发展和商业银行客户需求多样化的增强，国内商业银行加快金融创新是必然的选择。通过商业银行和信托公司合作，不仅能够在当前国家宏观调控和商业银行规模管控形势下解决商业银行重点客户建设融资需求的问题，也是商业银行维护客户资源、拓宽业务领域、增加中间业务收入的有效方法和手段。本论文正是针对当前宏观经济形势下国内基础设施建设领域资金紧缺的问题，以交通运输建设领域为例，从实践出发，在深入分析商业银行业务类型、收入结构和发展趋势的基础上，通过剖析当前形势下银信合作的理论基础，分析当前形势下商业银行和信托公司合作现状，通过案例研究如何从实践角度出发解决当前商业银行信贷规模调控背景下交通运输项目建设单位后续资金短缺的问题，探讨银行和信托公司业务合作模式的创新，为我国商业银行和信托公司扩大业务合作提供合理化建议。
[Abstract]:Under the influence of the international financial crisis and the domestic macro-control, under the background of the adjustment of domestic economic structure and the change of development mode, the traditional high economic growth, which depends on the survival of China's commercial banks, leads to the high credit supply. The operating environment of high credit investment and high economic growth will no longer exist. Commercial banks will face enormous challenges by continuously absorbing deposits and making loans bigger. The emergence of bank and credit cooperation has brought commercial banks a new growth point of intermediate business, and it also provides a possible solution to the shortage of enterprise construction funds caused by the credit scale of banking institutions. According to the plan, during the 12th Five-Year Plan, China's national economy will maintain steady growth, investment in people's livelihood will increase substantially, and transportation construction will be the most important component of infrastructure. In the next 3-5 years will also usher in a leapfrog development. As a key investment field in the 12th Five-Year Plan, transportation construction has the characteristics of large scale of investment, long construction period and strict requirements on owner's strength. Limited by the financial strength of various regions in China and the shortage of enterprises' own funds, the construction of projects in various regions of our country has obviously shown a trend of slowing down. How to solve the project construction fund demand has become the most urgent problem for the government and traffic construction owners. As an important source for commercial banks to acquire intermediate business, bank-trust cooperation has been the key area of commercial bank innovation since the beginning of its development. With the sustainable development of domestic economy and the diversification of customer demand of commercial banks, it is an inevitable choice for domestic commercial banks to speed up financial innovation. Through the cooperation of commercial banks and trust companies, it is not only possible to solve the problem of the construction financing needs of key customers of commercial banks under the current situation of state macro-control and scale control of commercial banks, but also to maintain the customer resources of commercial banks. Widen the business domain, increase the effective method and means of intermediate business income. This paper aims at the shortage of funds in the field of domestic infrastructure construction under the current macroeconomic situation, taking the field of transportation construction as an example, starting from the practice, analyzing the business types of commercial banks in depth. On the basis of income structure and development trend, this paper analyzes the current situation of the cooperation between commercial banks and trust companies by analyzing the theoretical basis of the cooperation between banks and trust companies under the current situation. Through the case study, how to solve the problem of shortage of follow-up funds in the construction units of transportation projects under the background of credit scale regulation of commercial banks, and discuss the innovation of business cooperation mode between banks and trust companies. To China's commercial banks and trust companies to expand business cooperation to provide reasonable advice.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F832.49;F512

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