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论文编号：	3394
作者编号：	2220090731
上传时间：	2011/6/10 10:49:43
中文题目：	工商银行黄金租赁业务研究
英文题目：	Research on the Gold Leasing Business of ICBC
指导老师：	李莉
中文关键字：	工商银行;黄金租赁;融资渠道;风险管理
英文关键字：	ICBC; Gold Leasing; Financing Sources; Risk Management
中文摘要：	进入21世纪以来，兼具货币和商品双重属性的黄金，重新发挥其作为避险保值工具的作用，日益受到投资者的青睐。从2000年到2010年，黄金走出一波长达10年的牛市行情，尤其是2008年金融危机爆发以来，黄金价格更是加速上扬，屡创历史新高。在当前黄金价格高企的背景下，研究黄金作为套期保值和风险管理工具的作用，显得十分有意义。 当前，黄金价格在屡创新高之后，维持高位调整态势。未来黄金价格下行的风险不断加大，一旦这种情况出现，将会影响一大批产金、用金企业的生产经营。金价的回落，将会吸引金融机构和产金、用金企业参与到黄金融资和风险管理业务中来。本文抓住在当前市场环境下黄金价格大幅波动的可能性增大的情况，创新性地提出工商银行发展黄金租赁业务的必要性和迫切性。工商银行作为能为企业客户提供专业性风险管理和融资服务的商业银行应积极研究黄金租赁业务，把黄金租赁业务作为创新型的黄金衍生产品大范围发展，不但有利于为黄金市场提供充足的流动性，为企业提供风险管理的手段，增强黄金企业的抗风险能力，同时也有利于商业银行提升服务质量，培育市场和创造新的利润增长点。 本文将通过国际市场与国内市场相参照、理论与实际相结合的方法，分别从黄金企业进行风险管理和商业银行提供融资服务的角度，回顾国内外黄金市场的发展、介绍黄金租赁业务的原理和作用、发现和分析国内黄金租赁市场发展存在的实际问题及国内商业银行开展黄金租赁业务现状、存在的问题，研究工商银行黄金租赁业务的经营现状和优势分析，以期寻找到解决问题的途径，为工商银行黄金租赁业务提供方案及实施保障，从而为推动国内黄金租赁市场的发展提供指引和建议。
英文摘要：	Since the beginning of the 21st Century, gold, with its dual properties of currency and commodity, has resumed its luster as a basic instrument of risk hedging, attracting the interest of more and more investors. From 2000 to 2010, Gold took off on an overwhelmingly bullish journey which lasted for over 10 years. Particularly, ever since the global financial crisis swept the world in 2008, the upward trend of gold price even accelerated, breaking new historic highs repeatedly. Under the background of gold price climbing higher and higher, it has become increasingly significant to investigate the role of gold as an instrument of risk hedging and management. Currently, after creating a series of new historic highs, gold price still maintains its strength in the upside range. However, the future downside risk is increasing as time elapses and once it really occurs, a large scale of gold producers and processors will be seriously affected in their daily operations and productions. The potential drop of gold price will recall financial institutions, along with gold producing and processing enterprises, to the business of gold finance and risk management. As the leading commercial bank providing specialized risk management and financial services to corporate clients, ICBC, by developing its gold leasing business, can provide liquidity to the gold market and risk hedging strategy to the gold enterprises. In the mean time, ICBC can also improve the quality of services and create new sources of profit through gold leasing business. The thesis intends to make comparison between international and domestic gold markets combining the textbook theories with practical solutions. Taking the approaches of gold enterprise’s risk hedging and commercial bank’s gold financing, the thesis looks back on the development of both international and domestic gold markets and introduces the theory and function of gold leasing business. By locating and analyzing the problems underlying the development of domestic gold leasing market and the gold leasing business of commercial banks in China, the thesis takes ICBC operations of gold leasing business as an example in order to find out solutions to the current problems, ensure the successful implementation of ICBC gold leasing business strategy and eventually provide guidance and advice to the further development of domestic gold leasing market.
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