联系我们

论文查询结果	返回搜索

论文编号：	7140
作者编号：	2220110521
上传时间：	2015/5/25 9:09:15
中文题目：	我国商业银行资产托管业务发展研究
英文题目：	Research on the Development of Asset Custody Business of Commercial Banks in China
指导老师：	张玉利
中文关键字：	商业银行；资产托管；发展动力；发展建议
英文关键字：	Commercial Banks; Asset Custody Business; Motive Force of Development; Suggestions of Development
中文摘要：	在经济全球化、金融脱媒化、利率市场化和金融网络化的共同作用下，我国商业银行的经营面临严峻局面，传统的依靠规模、高投入、高速扩张的经营方式难以为继，资本约束趋严、存贷利差收窄已成为不可逆转的趋势。大力发展中间业务，提高中间业务收入在营业收入中的占比，解决对存贷息差收入高度依赖的问题，成为近几年多数商业银行发展的重要目标之一。资产托管业务凭借其适应直接融资市场和财富管理市场需要的特点，已从传统证券投资基金市场迅速渗透覆盖至非证券类资产管理领域，并逐渐向社会保障、财政、跨境投资等非金融领域延伸，对商业银行的负债及中间业务收入形成强有力的拉动作用，因此将成为商业银行适应我国经济新常态的重要抓手。本文在对2008年以来我国商业银行资产托管业务的总体规模及收入数据进行分析的基础上，阐述了我国商业银行资产托管业务快速发展的现状，另外对我国18家商业银行近两年的主要资产托管业务进行重点分析讨论，得出结论，提出目前我国商业银行资产托管业务的发展存在稳定发展机制不足、托管产品个性化不足、专业人才和系统建设不足、托管业务监控体制不足等问题。通过对我国商业银行资产托管业务发展现状及外部市场环境变化的研究，本文旨在探讨未来我国商业银行资产托管业务发展的趋势，说明我国资产托管业务在未来还有很大的发展空间，对我国商业银行转型发展、适应经济新常态具有的重要意义。面临天时地利的发展机遇，商业银行如何能够抓住机遇，快速健康发展资产托管业务，本文以中小股份制商业银行中的典型代表——中信银行为例，对其资产托管业务的营销推动、结构调整和业务管理提出了若干建议。最后，本文将视角扩展至我国所有商业银行，对我国商业银行资产托管业务提出了未来的发展建议，具体包括商业银行要明确市场定位，高度重视资产托管业务的系统开发工作，调整产品结构，强化风险管理等。
英文摘要：	Under the joint action of economic globalization, financial disintermediation, interest rate liberalization and financial networking, the operation of commercial banks in China is facing a grim situation. The operation mode of traditional depending scale, high input and rapid expansion is hard to continue. The stricter capital restriction and narrower interest spread has become an irreversible trend. In recent years, most commercial banks have made efforts to strive to develop intermediary business, increase the proportion of intermediary business income in operating revenue to resolve the problem of highly relying on interest spread income. Since asset custody is suitable for the direct financial market and financial management market, it has quickly permeated and covered in the non-securitization assets management field from the traditional market of securities investment fund, and has extended to some non-financial fields, including social security, finance, and cross-border investment. It has formed a strong tension of liabilities of commercial bank and intermediary business income; therefore, it will become the important “handle” for the commercial banks to suit to the new national economy normal. On the basis of analyzing the overall scale and income data of the asset custody business of commercial banks in China since 2008, the paper has described the current situation of asset custody business and has a key analyzed and discussed on the main asset custody business of commercial banks in China in recent two years. It has put forward some existing problems, for example, the development system of asset custody business of commercial banks in China is not perfect; the custody product is lack of characteristics; the talents and system construction as well as the monitoring system of asset custody business are insufficient. The most important, this paper will put forward suggestions on marketing, structure adjustment and business management of asset custody business of CITIC Bank. In the end, it has pointed out several suggestions on the development of asset custody business of main commercial banks in China, such as suggestions about market positioning, system development, product structure and risk management.
查看全文：	预览  下载(下载需要进行登录)