本文選題：商業(yè)銀行 + 資產(chǎn)業(yè)務��； 參考：《遼寧大學》2014年碩士論文

【摘要】：隨著利率市場化改革的逐步深入，我國銀行業(yè)面臨嚴峻的挑戰(zhàn)，同時也會面臨巨大的競爭壓力。過去，中國銀行業(yè)在發(fā)展資產(chǎn)業(yè)務過程中取得了很好的成績。隨著利率市場化改革的加速，資產(chǎn)業(yè)務一定會催生出更多新的產(chǎn)品，使商業(yè)銀行獲得更大的發(fā)展空間。商業(yè)銀行應充分認識到資產(chǎn)業(yè)務創(chuàng)新過程中存在的問題，可能遇到的風險，抓緊采取應對措施，加快經(jīng)營轉(zhuǎn)型的步伐，提升風險管理水平，實現(xiàn)自身的可持續(xù)發(fā)展。 本文系統(tǒng)介紹了金融創(chuàng)新運用的理論基礎，中國商業(yè)銀行業(yè)資產(chǎn)業(yè)務發(fā)展創(chuàng)新的現(xiàn)狀，中國商業(yè)銀行目前的資產(chǎn)規(guī)模。目前，，商業(yè)銀行的資產(chǎn)業(yè)務創(chuàng)新還存在很多不足的方面，尚處于發(fā)展階段，中國商業(yè)銀行仍然需要根據(jù)我國經(jīng)濟發(fā)展的速度對自身資產(chǎn)業(yè)務進行創(chuàng)新，為中國銀行業(yè)贏得更長遠的發(fā)展。本文主要以我國大型商業(yè)銀行和具有較大規(guī)模的股份制商業(yè)銀行的數(shù)據(jù)作為基礎，對中國商業(yè)銀行的資產(chǎn)業(yè)務進行了系統(tǒng)的分析，主要針對的是資產(chǎn)業(yè)務中的貸款業(yè)務和證券投資業(yè)務，概括了商業(yè)銀行目前的資產(chǎn)規(guī)模和資產(chǎn)業(yè)務創(chuàng)新現(xiàn)狀，概括了資產(chǎn)業(yè)務創(chuàng)新存在的諸多問題，以及造成這些問題的原因，資產(chǎn)業(yè)務創(chuàng)新過程中可能遇到的風險，針對分析的內(nèi)容和存在的不足提出了中肯的建議。 本文創(chuàng)新性地提出了我國商業(yè)銀行資產(chǎn)業(yè)務創(chuàng)新發(fā)展提出了方向，在銀行內(nèi)部控制、監(jiān)管機構加強監(jiān)管力度、建立個人信用體系、加速金融領域立法進程等多方面提出了對風險防范的注意。最后，本文對我國商業(yè)銀行對資產(chǎn)業(yè)務在創(chuàng)新過程中業(yè)務品種、適用范圍和對象的選擇三個方面，提出了產(chǎn)品中票據(jù)業(yè)務、銀團貸款業(yè)務、個人信用卡業(yè)務、個人投資貸款、資產(chǎn)證券化、離岸貸款產(chǎn)品方面的創(chuàng)新建議。針對我國商業(yè)銀行投資方面，本文在交易方式、經(jīng)營范圍等方面對此項資產(chǎn)業(yè)務創(chuàng)新提出了建議。
[Abstract]:With the deepening of interest rate marketization reform, China's banking industry is facing severe challenges, but also facing enormous competitive pressure. In the past, the Chinese banking industry in the development of asset business process has made good achievements. With the acceleration of the reform of interest rate marketization, the asset business will produce more new products and make the commercial banks have more room for development. Commercial banks should fully realize the existing problems and risks in the process of innovation of asset business, take countermeasures to accelerate the pace of operation transformation, improve the level of risk management, and realize their own sustainable development. This paper systematically introduces the theoretical basis of the application of financial innovation, the current situation of the development and innovation of China's commercial banking asset business, and the current asset scale of China's commercial banks. At present, there are still many deficiencies in the innovation of assets business of commercial banks, which are still in the development stage. Chinese commercial banks still need to innovate their assets business according to the speed of economic development of our country. For the Chinese banking industry to win a longer-term development. Based on the data of large commercial banks and joint-stock commercial banks in China, this paper makes a systematic analysis of the assets business of Chinese commercial banks. It mainly aims at the loan business and securities investment business in asset business, summarizes the current status of assets scale and asset business innovation of commercial banks, summarizes many problems existing in asset business innovation, and the causes of these problems. In view of the contents and shortcomings of the analysis, the paper puts forward some pertinent suggestions on the risks that may be encountered in the process of asset business innovation. This paper creatively puts forward the direction of the innovation and development of the assets business of the commercial banks in our country. In the internal control of the banks, the regulators strengthen the supervision and establish the personal credit system. Speeding up the legislative process in the field of finance and other aspects put forward the attention to risk prevention. Finally, this paper puts forward three aspects of commercial banks' choice of business variety, application scope and object in the process of innovation of assets business, including bill business, syndicated loan business, personal credit card business, personal investment loan. Asset securitization, offshore loan products for innovative advice. In view of the investment of commercial banks in China, this paper puts forward some suggestions on the innovation of this asset business in the aspects of transaction mode and business scope.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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