本文關(guān)鍵詞： 私募股權(quán)投資 多元回歸分析 投貸聯(lián)動 并購基金 新經(jīng)濟模式　出處：《首都經(jīng)濟貿(mào)易大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：在我國的經(jīng)濟發(fā)展日益走向成熟穩(wěn)定之際,各家商業(yè)銀行之間的業(yè)務(wù)競爭愈加激烈,眾多非銀行機構(gòu)的信貸業(yè)務(wù)模式激增,使商業(yè)銀行在傳統(tǒng)業(yè)務(wù)上受到嚴重的沖擊,此時,涉入私募股權(quán)投資業(yè)務(wù)給我國商業(yè)銀行開辟了一條新的道路,并且成為其成功轉(zhuǎn)型的關(guān)鍵之一。從傳統(tǒng)業(yè)務(wù)來講,我國商業(yè)銀行的盈利模式主要為利差所得,然而隨著國家寬松政策的實施,以及同業(yè)的競爭下,這部分所產(chǎn)生的利潤逐漸收窄,受到了很大的沖擊,并且未來一段時間內(nèi),也很難改變這種現(xiàn)狀。在這樣的背景之下,我國商業(yè)銀行開始改變現(xiàn)有的經(jīng)營模式,諸如間接涉入私募股權(quán)投資業(yè)務(wù)等已予以重視。由于商業(yè)銀行在客戶等資源上有絕對優(yōu)勢,金融服務(wù)系統(tǒng)和平臺較為穩(wěn)定,運營模式也比較成熟,雖然我國監(jiān)管部門對商業(yè)銀行涉入私募股權(quán)投資領(lǐng)域有相對的限制和管理規(guī)范,但是商業(yè)銀行仍能夠在市場中發(fā)現(xiàn)機會,整合現(xiàn)有資源,改變經(jīng)營思路,使中間業(yè)務(wù)得到廣泛發(fā)展。并且致力于金融服務(wù)水平的提升,打造出更專業(yè),更全面,更具創(chuàng)新性的綜合金融服務(wù)平臺,為我國商業(yè)銀行經(jīng)營模式的的改革做出了巨大的貢獻。目前商業(yè)銀行涉入PE業(yè)務(wù)的模式可分為四大類,以資金募集、PE托管、財務(wù)顧問等為主的收取手續(xù)費、傭金、咨詢費等中間業(yè)務(wù)模式,以及創(chuàng)新的投貸聯(lián)動模式。對于四種模式,具有的優(yōu)勢,為商業(yè)銀行帶來的利潤空間以及在運作中存在的問題,是本文研究的主要內(nèi)容。本論文由六個部分組成,第一章為引言,是對行文目的和意義的闡述以及論文整體內(nèi)容的概述;第二章為相關(guān)理論依據(jù),第三章基于理論知識的背景,針對目前我國商業(yè)銀行涉入私募股權(quán)投資業(yè)務(wù)的模式,以及開展不同業(yè)務(wù)模式的環(huán)境、動因、優(yōu)勢、所面臨的困境等方面進行了闡述和剖析,提出了各種模式存在的問題,并為后文選取得深入研究的模式作了鋪墊;第四章為案例分析,對“投貸聯(lián)動”模式進行了深入分析;第五章為實證分析,通過構(gòu)建數(shù)學(xué)模型,對開展“投貸聯(lián)動”業(yè)務(wù)模式的規(guī)模與銀行績效之間的關(guān)系進行比較和分析;最后為結(jié)論,是本論文的研究成果展示,包括對本文提出的問題進行了回答,并給出了具體的建議。
[Abstract]:As the economic development of our country moves towards maturity and stability day by day, the business competition among various commercial banks is becoming more and more fierce, and the credit business model of many non-bank organizations is proliferating, which makes the commercial banks suffer a serious impact on the traditional business, at this time, Private equity investment has opened a new way for Chinese commercial banks, and has become one of the keys to their successful transformation. However, with the implementation of the national policy of easing and competition from the same industry, the profits generated by this part have gradually narrowed, which has been greatly impacted, and it will be very difficult to change this status quo in the future. Against this background, China's commercial banks have begun to change the existing business model, such as indirect involvement in private equity investment business has been attached importance. Because commercial banks have an absolute advantage in customer resources, the financial service system and platform is relatively stable. Although China's regulatory authorities have relatively limited and regulated commercial banks' involvement in the field of private equity investment, commercial banks are still able to find opportunities in the market, integrate existing resources, and change their business thinking. Making the intermediary business widely developed. And dedicated to improving the level of financial services, to create a more professional, more comprehensive, more innovative integrated financial services platform, It has made a great contribution to the reform of the business model of commercial banks in our country. At present, the models of commercial banks involved in PE business can be divided into four categories, which mainly collect fees and commissions, such as raising funds for PE trusteeship, financial consultants, etc. Consulting fees and other intermediate business models, as well as innovative investment and loan linkage models. For the four modes, the advantages, the profit space for commercial banks and the problems in operation, This paper is composed of six parts, the first chapter is the introduction, the purpose and meaning of the text and the overview of the whole content of the paper; the second chapter is the theoretical basis, the third chapter is based on the background of theoretical knowledge, the first chapter is the introduction, the first chapter is the introduction, the second chapter is the related theoretical basis, the third chapter is based on the background of theoretical knowledge. This paper expounds and analyzes the models of private equity investment in China's commercial banks and the environment, motivation, advantages and difficulties faced by different business models, and puts forward the problems existing in these models. It also lays the groundwork for the model of the further study of the selected articles; 4th chapter is the case analysis, and the model of "investment and loan linkage" is deeply analyzed; chapter 5th is the empirical analysis, through the construction of mathematical model, This paper compares and analyzes the relationship between the scale of the business model of "investment and loan linkage" and the performance of the bank. Finally, it concludes that the research results of this paper are displayed, including the answers to the questions raised in this paper. Some concrete suggestions are given.
【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.51

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