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论文编号：	12229
作者编号：	2320180574
上传时间：	2020/12/15 17:14:35
中文题目：	XY银行天津分行“商行+投行”模式业务发展研究
英文题目：	Research on the Business Development of XY Bank Tianjin Branch “Commercial Bank + Investment Bank” Model
指导老师：	郝臣
中文关键字：	商行+投行业务；产品创新；风险管理
英文关键字：	Commercial Bank + Investment Bank Business; Product Innovation; Risk Management
中文摘要：	随着金融脱媒、利率市场化等宏观政策的变化，我国金融行业正面临着改革的冲击。在我国金融业转型升级的路上，投资银行业务扮演着十分重要，是许多银行的利润支柱。然而近几年，“资管新规”、“三三四检查”等各类监管和政策纷纷出台，国家对于影子银行、非标投资等实施了严格的管理和整顿。国内的众多投行产品正面临整合淘汰、优化升级的过程。投资银行业务正站在十字路口，各家银行纷纷寻找新的突破。 曾经，作为“同业之王”的XY银行，在各类监管政策不断出台后也逐渐失去了同业优势。非标准债权投资业务规模显著下滑，应收账款类信托及其他收益权产品收益也大规模削减。 在这一背景下，XY银行提出了“商行+投行”业务发展模式，旨在寻找新的业务模式，创造新的盈利增长点。本文以XY银行为研究对象，从XY银行的发展变革，到XY银行投行业务的发展历程，深度解析XY银行投资银行业务的类型及发展变迁。最后，聚焦到XY银行天津分行“商行+投行” 模式业务发展，以XY银行天津分行“商行+投行” 模式业务发展为主要研究对象，通过运用范围经济理论、资产专用性理论、创新发展理论、金融功能观点理论等相关理论的分析，结合具体的业务案例，提出目前XY银行天津分行开展“商行+投行”业务模式存在的问题。然后，针对XY银行天津分行“商行+投行”业务目前存在的营销观念落后、产品缺乏创新、客户结构单一等问题，并结合目前天津区域经济发展特点，总结并提出XY银行天津分行“商行+投行”业务发展的切实可行的意见和建议。 最后，本文提出对于XY银行天津分行“商行+投行”业务发展的研究结论和展望，通过天津分行的不懈努力，遵循“轻资本、多元化”的业务发展方向和特点，逐步摸索，不断地修正，不断地实践，相信天津分行投行业务一定能再创佳绩，投行业务未来在国内会有更广阔的发展空间，会受到更多的重视。
英文摘要：	With changes in macroeconomic policies such as financial disintermediation and interest rate liberalization, the financial industry is facing the impact of reform. On the way to the transformation and upgrading of the country's financial industry, investment banking plays a very important role and is the profit pillar of many banks. However, in recent years, various regulations and policies such as the “new rules for asset management” and the “three, three, and four inspections” have been introduced. China has implemented strict management and rectification of shadow banking and non-standard investments. Many domestic investment bank products are facing the process of integration, elimination, and optimization and upgrading. Investment banking is standing at a crossroads, and banks are looking for new breakthroughs. Once, as" the king of the industry", XY Bank gradually lost its competitive edge after the introduction of various regulatory policies. The scale of non-standard debt investment business has declined significantly, and the income of receivables trust and other rights collection products has also been greatly reduced. In this context, XY Bank proposed the business development model of “Commercial bank + Investment bank", aiming to find new business models and create new profit growth points. This article takes XY Bank as the research object, from the development and reform of XY Bank to the development process of XY Bank's investment banking business, in-depth analysis of the type and development of XY Bank's investment banking business. Finally, focusing on the business development model of "Commercial Bank + Investment Bank" of Tianjin Branch of XY Bank, the main research object is the business development model of "Commercial Bank + Investment Bank" of Tianjin Branch of XY Bank. The analysis of relevant theories such as financial function perspective theory, combined with specific business cases, puts forward the problems of the current "commercial bank + investment bank" business model of XY Bank Tianjin Branch. Then, in view of the current backward marketing concepts, lack of product innovation, and single customer structure of the XY Bank Tianjin Branch's "commercial bank + investment bank" business, combined with the current regional economic development characteristics of Tianjin, the XY Bank Tianjin branch "commercial bank + investment bank" was summarized and proposed "Practical advice and suggestions for business development. Finally, this paper puts forward to the XY bank Tianjin branch of "Commercial Bank + Investment Bank" conclusion and prospect in the research of the development of the business, through the unremitting efforts, follow the light of capital and diversified business development direction and characteristics, Tianjin branch will keep the correction unceasingly, practices unceasingly. We believe that the investment banking business of Tianjin branch can record. The investment bank business must usher in greater development and will become the pillar product of the country's financial industry's profit growth.
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