本文選題：銀信合作　切入點(diǎn)：商業(yè)銀行　出處：《遼寧大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國金融改革的不斷深入，利率市場化改革和民營資本進(jìn)入銀行業(yè)進(jìn)程的加快，銀行業(yè)的競爭日益激烈，單獨(dú)依靠存貸款利差來維持商業(yè)銀行的高收益的模式需要做出改變。商業(yè)銀行必須加大力度發(fā)展銀信合作業(yè)務(wù)，使之成為商業(yè)銀行新的利潤增長點(diǎn)。從商業(yè)銀行的角度分析，銀信合作業(yè)務(wù)正處于蓬勃發(fā)展的黃金時(shí)期，將銀信合作業(yè)務(wù)作為商業(yè)銀行的重點(diǎn)業(yè)務(wù)之一，可以改善商業(yè)銀行的資產(chǎn)負(fù)債結(jié)構(gòu)，改變盈利模式，這樣，商業(yè)銀行的核心競爭力才會(huì)大幅提高。 但是，由于商業(yè)銀行開展銀信合作業(yè)務(wù)的時(shí)間還短，銀信合作業(yè)務(wù)相比于歐美發(fā)達(dá)資本市場而言，技術(shù)水平、產(chǎn)品成熟度和創(chuàng)新能力都有待提高。我國銀信合作業(yè)務(wù)還存在法律法規(guī)不健全、產(chǎn)品結(jié)構(gòu)設(shè)計(jì)同質(zhì)化、售后服務(wù)不到位和風(fēng)險(xiǎn)管理不完善等問題，阻礙了商業(yè)銀行進(jìn)一步發(fā)展銀信合作業(yè)務(wù)。 本文以銀信合作業(yè)務(wù)為研究對象，從商業(yè)銀行的角度出發(fā)，采用理論與實(shí)證相結(jié)合的分析方法，既有定性分析又有定量分析。首先從銀信合作業(yè)務(wù)的現(xiàn)狀入手，分析了其規(guī)模、風(fēng)險(xiǎn)、收益及基本特征，指出存在的問題和分析其中的原因。然后分析銀信合作業(yè)務(wù)對我國宏觀經(jīng)濟(jì)層面的正負(fù)影響，，最后，針對銀信合作業(yè)務(wù)出現(xiàn)的問題、風(fēng)險(xiǎn)和負(fù)面影響，提出對策建議。
[Abstract]:With the deepening of China's financial reform, the reform of interest rate marketization and the acceleration of the process of private capital entering the banking industry, the competition of the banking industry is becoming increasingly fierce. The mode of relying solely on deposit and loan spreads to maintain the high returns of commercial banks needs to be changed. Commercial banks must make greater efforts to develop the cooperative business of Bank and Credit to become a new profit growth point of commercial banks. From the point of view of commercial banks, it is necessary to analyze it from the point of view of commercial banks. The cooperative business of Bank and Credit is in a golden period of vigorous development. Taking the cooperative business of Bank and Credit as one of the key businesses of commercial banks can improve the structure of assets and liabilities of commercial banks and change the profit model. The core competitiveness of commercial banks will be greatly improved. However, due to the short time for commercial banks to carry out the cooperative business, the technical level of the cooperative business is more advanced than that of the developed capital markets in Europe and the United States. The product maturity and innovation ability need to be improved. There are still some problems such as imperfect laws and regulations, homogenization of product structure design, inadequate after-sales service and imperfect risk management. Hinders the commercial bank to further develop the bank letter cooperation service. This paper takes the cooperative business of Yinxin as the research object, from the angle of the commercial bank, adopts the analysis method which combines the theory and the demonstration, has the qualitative analysis as well as the quantitative analysis. This paper analyzes its scale, risk, income and basic characteristics, points out the existing problems and analyzes the reasons there.Then, it analyzes the positive and negative effects of Yinxin's cooperative business on the macro-economic level of our country, and finally, aiming at the problems of Yinxin's cooperative business, Risk and negative effects, put forward countermeasures and suggestions.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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