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论文编号：	14130
作者编号：	2120213394
上传时间：	2023/6/13 14:32:40
中文题目：	Z银行信用债券投资决策体系问题分析及其优化研究
英文题目：	Research On The Problems And Optimization Of Z Bank’s Bond Investment Decision System
指导老师：	覃家琦
中文关键字：	债券投资；决策体系；优化建议
英文关键字：	Bond Investment; Decision Making System; Optimization Suggestions
中文摘要：	近年来，随着金融业“回归本源”，各银行纷纷加大传统的信贷投放力度，同时监管趋严的大环境下，原有的非标准化债权资产逐渐压缩规模，银行也在往标准化债券投资业务方面转型。债券投资业务在银行也属于传统业务的一种，但具有标准化、可分割、可转让等优势，同时在合规性、信息披露的真实性、投后管理的时效性方面也有较强的保障。特别是在城建公共类行业，2021年7月，监管部门下发的《银行保险机构进一步做好地方政府隐性债务风险防范化解工作的指导意见》（银保监发[2021]15号，以下简称“15号文”），针对地方政府隐性债务监管进行新一轮政策收紧。债券投资业务成为商业银行助力城建公共类行业发展的重要方式。 商业银行在进行信用债券投资时，收益性、风险性、流动性的平衡始终是个难题，在“资金荒”和“资产荒”不时发生的市场环境下，抓住时机，提高信用债券的决策效率，建立系统、科学、合理的信用债券决策体系，成为商业银行开展信用债券投资业务的核心竞争力。 本文首先结合国内外实践梳理债券投资的基本理论，同时结合银行与非银金融机构债券投资流程的普遍做法展开对比，然后以Z银行债券投资业务为例，通过对其业务获取、团队管理、审批流程、投资流程、投后管理流程等方面进行介绍，提出Z银行开展债券投资业务的一些问题；其次，对Z银行最近开展债券投资业务的一个具体案例进行分析，找到产生问题的原因；最后，针对相关问题，提出解决问题的建议和优化方式，希望提高Z银行债券投资业务的时效性，帮助Z银行建立更加标准和科学的决策流程，提高投资收益，Z银行信用债券投资决策体系中存在的问题也普遍性的存在于其他中小银行中，其他银行在开展信用债券投资时，可汲取Z银行教训，减少弯路，搭建更科学、高效、合理的信用债券投资决策体系。
英文摘要：	In recent years, as the financial industry has "returned to its roots", various banks have increased their traditional credit lending efforts. At the same time, in the context of stricter regulation, the original non-standard debt assets have gradually compressed their scale, and banks are also transitioning towards standardized bond investment business. Bond investment business is also a traditional business in banks, but it has advantages such as standardization, divisibility, and transferability. At the same time, it also has strong guarantees in terms of compliance, authenticity of information disclosure, and timeliness of post investment management. Especially in the urban construction public sector, in July 2021, regulatory authorities issued the "Guiding Opinions on Further Preventing and Resolving the Risks of Local Government Implicit Debt by Banking and Insurance Institutions" (Yin Bao Jian Fa [2021] No. 15, hereinafter referred to as the "No. 15 Document"), which aimed to tighten a new round of policies for the supervision of local government implicit debt. Bond investment business has become an important way for commercial banks to support the development of the urban construction public sector. When commercial banks invest in credit bonds, the balance of profitability, risk, and liquidity has always been a challenge. In the market environment where "capital shortage" and "asset shortage" occur from time to time, seizing the opportunity to improve the decision-making efficiency of credit bonds, establishing a systematic, scientific, and reasonable credit bond decision-making system, has become the core competitiveness of commercial banks in conducting credit bond investment business. This paper first combs the basic theory of bond investment in combination with domestic and foreign practices, and at the same time compares the common practice of bond investment process between banks and non bank financial institutions. Then, taking Bank Z's bond investment business as an example, by introducing its business acquisition, team management, approval process, investment process, post investment management process and other aspects, this paper puts forward some problems in Bank Z's bond investment business; Secondly, a specific case of Z Bank's recent bond investment business is analyzed to find the cause of the problem; Finally, in view of the relevant problems, we put forward suggestions and optimization methods to solve the problems, hoping to improve the timeliness of the bond investment business of Bank Z, help Bank Z establish a more standard and scientific decision-making process, and improve the return on investment. The problems in the decision-making system of Z Bank's credit bond investment are also common among other small and medium-sized banks. When conducting credit bond investment, other banks can learn from Z Bank's lessons, reduce detours, and build a more scientific, efficient, and reasonable credit bond investment decision-making system.
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