吉林省農(nóng)行金融同業(yè)業(yè)務(wù)發(fā)展策略研究
發(fā)布時間：2018-11-08 07:15
【摘要】：金融同業(yè)業(yè)務(wù)是指金融同業(yè)的各個組成部分--即銀行、證券、保險等行業(yè)間的業(yè)務(wù)合作，其中商業(yè)銀行作為金融業(yè)最重要的組成部分，是金融同業(yè)合作的核心和基礎(chǔ)。金融業(yè)改革開放的不斷深化、利率和匯率改革的日益推進(jìn)、金融市場建設(shè)的日臻完善、信息網(wǎng)絡(luò)技術(shù)的廣泛應(yīng)用，都為金融同業(yè)業(yè)務(wù)的發(fā)展帶來了廣闊的創(chuàng)新空間，賦予了其全新的業(yè)務(wù)內(nèi)涵，成為推動金融業(yè)轉(zhuǎn)型和變革的重要力量。近年來，在貨幣政策趨緊的擠壓和催生下，金融同業(yè)合作業(yè)務(wù)空前活躍，業(yè)已顯露出三方面的趨勢，一是同業(yè)合作的范圍不斷擴(kuò)大，已經(jīng)推動商業(yè)銀行加快由分業(yè)經(jīng)營向綜合經(jīng)營轉(zhuǎn)型，客戶在一個屋檐下辦理所有金融業(yè)務(wù)的理想已經(jīng)部分實現(xiàn)。二是同業(yè)合作的領(lǐng)域不斷深化，正在深刻地改變商業(yè)銀行乃至整個金融行業(yè)的競爭格局，銀行之間的關(guān)系已不再是你死我活的殘酷競爭，正在演化為一個龐大的自我平衡的“金融生態(tài)系統(tǒng)”，各類型的銀行和金融同業(yè)在其中“共同進(jìn)化”，共同為客戶服務(wù)，共同分享價值，同業(yè)合作產(chǎn)生的利潤已逐步超過傳統(tǒng)業(yè)務(wù)利潤。三是同業(yè)合作的層次不斷提高，特別是隨著電腦和網(wǎng)絡(luò)技術(shù)在金融行業(yè)的運(yùn)用，，商業(yè)銀行的金融產(chǎn)品創(chuàng)新日新月異，服務(wù)創(chuàng)新也呈現(xiàn)出前所未有的態(tài)勢。在這種大的環(huán)境和趨勢下，吉林省銀行同業(yè)合作業(yè)務(wù)也經(jīng)歷著激烈的發(fā)展和深刻的變化。合作客戶范圍已從傳統(tǒng)的保險公司、證券公司向信托公司、基金公司、金融租賃公司、小額貸款公司、資產(chǎn)管理公司延伸；合作領(lǐng)域已從過去的同業(yè)融資和票據(jù)業(yè)務(wù)，向信托資產(chǎn)代理、同業(yè)人民幣代付、理財資金托管、債權(quán)投資計劃、資產(chǎn)管理等領(lǐng)域拓展；合作地域已不限于吉林省境內(nèi)，而是伴隨著業(yè)務(wù)的拓展，逐漸形成了跨區(qū)域甚至跨境經(jīng)營的格局。但是由于吉林省農(nóng)行長期以來忽視金融同業(yè)業(yè)務(wù)的發(fā)展，沒有認(rèn)識到同業(yè)業(yè)務(wù)的巨大發(fā)展前景，加之農(nóng)行管理鏈條長、授權(quán)方式僵化、審批流程不暢、考核激勵不到位等原因，嚴(yán)重制約了其同業(yè)業(yè)務(wù)的發(fā)展，導(dǎo)致其目前無論業(yè)務(wù)規(guī)模還是業(yè)務(wù)品種與省內(nèi)同業(yè)相比都差距甚大。因此，只有在全面分析我國金融同業(yè)業(yè)務(wù)發(fā)展現(xiàn)狀和趨勢的基礎(chǔ)上，深度透析省內(nèi)銀行同業(yè)業(yè)務(wù)開展情況，找出吉林省農(nóng)行同業(yè)業(yè)務(wù)發(fā)展存在的突出問題，才能有針對地提出相應(yīng)的解決對策，為省農(nóng)行更好地開展同業(yè)業(yè)務(wù)提供有益的決策參考。
[Abstract]:Interbank business refers to the business cooperation among banks, securities, insurance and so on. As the most important part of financial industry, commercial bank is the core and foundation of financial interbank cooperation. With the deepening of the reform and opening up of the financial industry, the promotion of the reform of interest rate and exchange rate, the improvement of the financial market construction and the wide application of the information network technology, the development of the financial interbank business has brought broad innovation space. Endowed with its new business connotation, become an important force to promote the transformation and transformation of the financial industry. In recent years, as a result of the tightening of monetary policy, interbank financial cooperation has become more active than ever, and has shown three trends: first, the scope of interbank cooperation has been continuously expanded. Commercial banks have been pushed to speed up the transition from separate operations to comprehensive operations, and the ideal of customers to handle all financial services under one roof has been partially realized. Second, the field of interbank cooperation is deepening and is profoundly changing the competitive pattern of commercial banks and even the entire financial industry. The relationship between banks is no longer a cruel competition between the dead and dead. Is evolving into a huge, self-balancing "financial ecosystem" in which all types of banks and financial peers "coevolve" to serve their customers and share value, The profit generated by the same industry cooperation has gradually exceeded the traditional business profit. Third, the level of interbank cooperation has been raised constantly, especially with the application of computer and network technology in the financial industry, the commercial banks' financial products are innovating with each passing day, and the service innovation is also showing an unprecedented situation. In this kind of big environment and trend, the interbank cooperation business of Jilin Province also goes through intense development and profound change. The scope of cooperative clients has been extended from traditional insurance companies, securities companies to trust companies, fund companies, financial leasing companies, microfinance companies, asset management companies; The field of cooperation has been expanded from the past interbank financing and bill business to trust asset agent, interbank RMB payment, financial fund custody, creditor's rights investment plan, asset management and so on. The region of cooperation is not limited to Jilin Province, but with the expansion of business, it has gradually formed a cross-regional and even cross-border management pattern. However, Agricultural Bank of Jilin Province has neglected the development of financial interbank business for a long time, and has not realized the huge development prospects of the same industry business. In addition, the Agricultural Bank of China has a long management chain, a rigid authorization method, a poor examination and approval process, and inadequate assessment incentives, and so on. It seriously restricts the development of the same business, which leads to a big gap between the business scale and the variety of business in the province. Therefore, only on the basis of comprehensive analysis of the present situation and trend of financial interbank business in our country, deeply analyze the development of interbank business in the province, and find out the outstanding problems existing in the development of interbank business in Jilin Province. Only then the corresponding countermeasures can be put forward in order to provide a useful decision reference for Agricultural Bank of China (ABC) to carry out the business of the same industry better.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2
本文編號：2317765
[Abstract]:Interbank business refers to the business cooperation among banks, securities, insurance and so on. As the most important part of financial industry, commercial bank is the core and foundation of financial interbank cooperation. With the deepening of the reform and opening up of the financial industry, the promotion of the reform of interest rate and exchange rate, the improvement of the financial market construction and the wide application of the information network technology, the development of the financial interbank business has brought broad innovation space. Endowed with its new business connotation, become an important force to promote the transformation and transformation of the financial industry. In recent years, as a result of the tightening of monetary policy, interbank financial cooperation has become more active than ever, and has shown three trends: first, the scope of interbank cooperation has been continuously expanded. Commercial banks have been pushed to speed up the transition from separate operations to comprehensive operations, and the ideal of customers to handle all financial services under one roof has been partially realized. Second, the field of interbank cooperation is deepening and is profoundly changing the competitive pattern of commercial banks and even the entire financial industry. The relationship between banks is no longer a cruel competition between the dead and dead. Is evolving into a huge, self-balancing "financial ecosystem" in which all types of banks and financial peers "coevolve" to serve their customers and share value, The profit generated by the same industry cooperation has gradually exceeded the traditional business profit. Third, the level of interbank cooperation has been raised constantly, especially with the application of computer and network technology in the financial industry, the commercial banks' financial products are innovating with each passing day, and the service innovation is also showing an unprecedented situation. In this kind of big environment and trend, the interbank cooperation business of Jilin Province also goes through intense development and profound change. The scope of cooperative clients has been extended from traditional insurance companies, securities companies to trust companies, fund companies, financial leasing companies, microfinance companies, asset management companies; The field of cooperation has been expanded from the past interbank financing and bill business to trust asset agent, interbank RMB payment, financial fund custody, creditor's rights investment plan, asset management and so on. The region of cooperation is not limited to Jilin Province, but with the expansion of business, it has gradually formed a cross-regional and even cross-border management pattern. However, Agricultural Bank of Jilin Province has neglected the development of financial interbank business for a long time, and has not realized the huge development prospects of the same industry business. In addition, the Agricultural Bank of China has a long management chain, a rigid authorization method, a poor examination and approval process, and inadequate assessment incentives, and so on. It seriously restricts the development of the same business, which leads to a big gap between the business scale and the variety of business in the province. Therefore, only on the basis of comprehensive analysis of the present situation and trend of financial interbank business in our country, deeply analyze the development of interbank business in the province, and find out the outstanding problems existing in the development of interbank business in Jilin Province. Only then the corresponding countermeasures can be put forward in order to provide a useful decision reference for Agricultural Bank of China (ABC) to carry out the business of the same industry better.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2
【參考文獻(xiàn)】
相關(guān)期刊論文 前10條
1 許東年;付發(fā)理;;商業(yè)銀行與期貨行業(yè)合作研究[J];安陽師范學(xué)院學(xué)報;2010年01期
2 吳志澤;;商業(yè)銀行信托貸款型理財產(chǎn)品淺析[J];財經(jīng)界(學(xué)術(shù)版);2010年02期
3 潘明忠;;商業(yè)銀行金融同業(yè)合作的創(chuàng)新空間及發(fā)展策略[J];銀行家;2007年11期
4 張青枝;陳紅燕;;關(guān)于銀行保險的國外理論研究文獻(xiàn)綜述[J];山西經(jīng)濟(jì)管理干部學(xué)院學(xué)報;2012年01期
5 農(nóng)行十堰分行課題組;;銀行同業(yè)業(yè)務(wù)現(xiàn)狀及發(fā)展路徑選擇[J];湖北農(nóng)村金融研究;2012年02期
6 ;加快我行金融同業(yè)業(yè)務(wù)發(fā)展的問題研究[J];廣西農(nóng)村金融研究;2007年02期
7 黃韓星;;銀保合作的SWOT分析與戰(zhàn)略思考[J];海南金融;2006年08期
8 陳晨;;淺談銀行證券存在的問題與對策[J];佳木斯教育學(xué)院學(xué)報;2012年03期
9 盧川;;中國影子銀行運(yùn)行模式研究——基于銀信合作視角[J];金融發(fā)展評論;2012年01期
10 馬明星;我國銀行業(yè)和證券業(yè)合作模式的選擇和對策建議[J];金融與經(jīng)濟(jì);2003年11期
本文編號：2317765
本文鏈接：http://sikaile.net/guanlilunwen/bankxd/2317765.html
最近更新
教材專著
