發(fā)布時(shí)間：2018-05-20 11:57

  本文選題：商業(yè)銀行 + 投資銀行業(yè)務(wù)�。� 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：在世界經(jīng)濟(jì)迅猛發(fā)展的今天，銀行業(yè)的經(jīng)營(yíng)環(huán)境也在不斷變化，愈來(lái)愈激烈的競(jìng)爭(zhēng)給商業(yè)銀行的發(fā)展帶來(lái)了嚴(yán)峻的考驗(yàn)，我國(guó)市場(chǎng)的逐步開(kāi)放使得國(guó)際變化對(duì)我國(guó)的影響越來(lái)越大，面對(duì)西方發(fā)達(dá)國(guó)家的商業(yè)銀行逐步進(jìn)入中國(guó)市場(chǎng)，給我國(guó)商業(yè)銀行帶來(lái)了愈發(fā)白熱化的競(jìng)爭(zhēng)。要想在這激烈的競(jìng)爭(zhēng)環(huán)境中得以生存，就必須學(xué)習(xí)借鑒國(guó)外商業(yè)銀行的成功經(jīng)驗(yàn)，在此基礎(chǔ)上尋找新的出路。 在國(guó)際商業(yè)銀行的發(fā)展趨于混業(yè)的情況下，加之利率的市場(chǎng)化，商業(yè)銀行的利息收入逐漸走低，而中間業(yè)務(wù)則成為商業(yè)銀行收入的一大支柱。雖然由美國(guó)次貸危機(jī)引發(fā)的全球金融危機(jī)給正在發(fā)展的商業(yè)銀行中間業(yè)務(wù)以重創(chuàng)，同時(shí)暴露了混業(yè)經(jīng)營(yíng)的風(fēng)險(xiǎn)，但這不能阻止中間業(yè)務(wù)成為商業(yè)銀行的收入支柱。在我國(guó)，雖然大部分商業(yè)銀行都已開(kāi)始發(fā)展中間業(yè)務(wù)，但由于起步較晚，我國(guó)商業(yè)銀行的中間業(yè)務(wù)大都處于不成熟階段，如何能更好的發(fā)展中間業(yè)務(wù)而又能成功應(yīng)對(duì)各種突變和危機(jī)，成為當(dāng)下我國(guó)商業(yè)銀行亟待解決的問(wèn)題。 投資銀行業(yè)務(wù)作為商業(yè)銀行中間業(yè)務(wù)中的重要組成部分，其越來(lái)越重要的地位受到了商業(yè)銀行的重視。近年來(lái)，我國(guó)商業(yè)銀行的主要業(yè)務(wù)收入仍然是存貸差，但由于投資銀行業(yè)務(wù)低成本高利潤(rùn)的特點(diǎn)，，以及存貸差的逐漸減小，使得我國(guó)商業(yè)銀行紛紛開(kāi)始重視投資銀行業(yè)務(wù)，分別實(shí)施建立投資銀行業(yè)務(wù)部門(mén)、開(kāi)發(fā)產(chǎn)品、招攬客戶、擴(kuò)大經(jīng)營(yíng)區(qū)域、建立自己的營(yíng)銷(xiāo)網(wǎng)絡(luò)、拓展業(yè)務(wù)等措施，以此來(lái)完善投資銀行業(yè)務(wù)的框架結(jié)構(gòu)，利用自身已有優(yōu)勢(shì)，結(jié)合我國(guó)市場(chǎng)環(huán)境，大力發(fā)展投資銀行業(yè)務(wù)。 本文通過(guò)對(duì)中外商業(yè)銀行發(fā)展投資銀行業(yè)務(wù)的對(duì)比，對(duì)我國(guó)商業(yè)銀行從事投資銀行業(yè)務(wù)的現(xiàn)狀進(jìn)行了分析，揭示了我國(guó)商業(yè)銀行所從事的投資銀行業(yè)務(wù)與西方發(fā)達(dá)國(guó)家的差距，并指出了我國(guó)商業(yè)銀行發(fā)展投資銀行業(yè)務(wù)中存在的問(wèn)題。通過(guò)對(duì)西方發(fā)達(dá)國(guó)家商業(yè)銀行在從事投資銀行業(yè)務(wù)方面的成功經(jīng)驗(yàn)的學(xué)習(xí)借鑒，與我國(guó)商業(yè)銀行發(fā)展投資銀行業(yè)務(wù)的現(xiàn)狀相結(jié)合，對(duì)我國(guó)商業(yè)銀行更好發(fā)展投資銀行業(yè)務(wù)提出了對(duì)策建議。
[Abstract]:With the rapid development of the world economy, the operating environment of the banking industry is also changing. The increasingly fierce competition has brought a severe test to the development of commercial banks. The gradual opening of China's market has made the international change more and more impact on our country, and the commercial banks in the western developed countries have gradually entered the Chinese market. In order to survive in the fierce competition environment, we must learn from the successful experience of foreign commercial banks and find a new way out on this basis.
As the development of the international commercial banks tends to be mixed and the interest rate is marketed, the interest income of commercial banks is gradually declining, while the intermediary business has become a major pillar of the commercial bank's income. The risk of mixed operation can not prevent the intermediary business from becoming the pillar of the commercial bank's income. In our country, although most commercial banks have begun to develop intermediary business, but because of the late start, the middle business of our commercial banks is mostly in the immature stage, how to better develop intermediate business and can successfully deal with each other. Mutation and crisis have become urgent problems for commercial banks in China.
As an important part of the intermediary business of commercial banks, the increasingly important position of investment bank is paid attention to by commercial banks. In recent years, the main business income of commercial banks in China is still the difference between deposit and loan. However, due to the low cost and high profit of the investment bank, and the gradual decrease of the loan difference, it makes our country The commercial banks have begun to attach importance to the investment banking business, implement the investment bank business departments, develop the products, recruit the customers, expand the operation area, establish their own marketing network and expand the business, so as to perfect the framework of the investment banking business, and use their own advantages and combine with the market environment of our country to develop vigorously. Investment banking.
By comparing the investment banking business between Chinese and foreign commercial banks, this paper analyzes the current situation of Chinese commercial banks engaged in investment banking business, reveals the gap between the investment banking business engaged in the commercial banks of our country and the developed countries in the west, and points out the problems existing in the development of the investment banking business of our commercial banks. By learning from the successful experience of commercial banks in western developed countries engaged in investment banking, and combining with the current situation of the development of investment banking in China's commercial banks, some suggestions are put forward for the better development of investment bank business by commercial banks in China.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

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