發(fā)布時(shí)間：2018-02-23 19:05

  本文關(guān)鍵詞： 商業(yè)銀行 投資銀行 金融控股公司　出處：《廣西大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：從整個(gè)世界的金融業(yè)來(lái)說(shuō),混業(yè)經(jīng)營(yíng)成為一種趨勢(shì),西方國(guó)家采用改變法律制度的方式,開(kāi)展商業(yè)銀行投資銀行業(yè)務(wù)。當(dāng)前,隨著我國(guó)對(duì)外開(kāi)放不斷深化,與外界交往日益密切,我國(guó)的金融市場(chǎng)也逐步向外國(guó)金融機(jī)構(gòu)開(kāi)放,這對(duì)我國(guó)國(guó)內(nèi)的商業(yè)銀行造成沖擊。同時(shí),隨著我國(guó)金融業(yè)改革的深化,利率市場(chǎng)化步伐不斷加快,資本市場(chǎng)也在迅速發(fā)展,這對(duì)以存貸款利差為主要利潤(rùn)來(lái)源的我國(guó)商業(yè)銀行來(lái)說(shuō),形成了巨大的壓力。因此,我國(guó)商業(yè)銀行積極去開(kāi)拓投資銀行業(yè)務(wù),既有外在壓力,也有內(nèi)在的動(dòng)力。商業(yè)銀行開(kāi)展投行業(yè)務(wù),實(shí)行多元化經(jīng)營(yíng),有利于拓寬收入渠道,提高自身競(jìng)爭(zhēng)力,實(shí)現(xiàn)轉(zhuǎn)型的目標(biāo),為將來(lái)廣泛參與國(guó)際業(yè)務(wù)打下堅(jiān)實(shí)的基礎(chǔ)。 本文首先對(duì)我國(guó)商業(yè)銀行投行業(yè)務(wù)的發(fā)展現(xiàn)狀進(jìn)行分析,從相關(guān)法律法規(guī)、經(jīng)營(yíng)模式、以及業(yè)務(wù)現(xiàn)狀分析,從中找到我國(guó)商業(yè)銀行投行業(yè)務(wù)存在的問(wèn)題,并對(duì)成因進(jìn)行分析,然后介紹了國(guó)外已有的商業(yè)銀行參與投資銀行業(yè)務(wù)的模式,分別對(duì)美國(guó)、德國(guó)以及日本的模式進(jìn)行優(yōu)劣勢(shì)分析。其次,結(jié)合我國(guó)自身的實(shí)踐,在充分考慮我國(guó)現(xiàn)行法律、經(jīng)濟(jì)環(huán)境以及銀行業(yè)自身經(jīng)營(yíng)特點(diǎn)的情況下,認(rèn)為金融控股公司的模式是我國(guó)商業(yè)銀行參與投資銀行業(yè)務(wù)的最佳模式。最后,針對(duì)問(wèn)題提出了相應(yīng)的發(fā)展對(duì)策。
[Abstract]:From the financial industry of the whole world, mixed operation has become a trend. Western countries adopt the method of changing the legal system to carry out commercial bank investment banking business. At present, with the deepening of China's opening to the outside world, With the increasingly close contact with the outside world, the financial market of our country has been gradually opened to foreign financial institutions, which has had an impact on our domestic commercial banks. At the same time, with the deepening of the reform of our financial industry, the pace of interest rate marketization has been accelerated. The capital market is also developing rapidly, which is a great pressure on the commercial banks of our country, whose main profit source is the difference between deposit and loan interest. Therefore, the commercial banks of our country are actively developing investment banking business, which has external pressure. Commercial banks carry out investment banking business and diversified management, which is conducive to broaden revenue channels, improve their competitiveness, achieve the goal of transformation, and lay a solid foundation for broad participation in international business in the future. Firstly, this paper analyzes the present situation of the investment banking business of commercial banks in China, analyzes the relevant laws and regulations, the business model and the present situation of the business, finds out the problems existing in the investment banking business of the commercial banks of our country, and analyzes the causes of the problems. Then it introduces the models of foreign commercial banks participating in the investment banking business, and analyzes the advantages and disadvantages of the models of the United States, Germany and Japan. Secondly, combined with the practice of our country, we are fully considering the current laws of our country. Under the circumstances of economic environment and the banking industry's own operating characteristics, it is considered that the mode of financial holding company is the best mode for Chinese commercial banks to participate in the investment banking business. Finally, the corresponding development countermeasures are put forward in view of the problems.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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