我国商业银行开展投资银行业务研究

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摘    要
      积极发展投资银行业务,实现商业银行业务和资本市场业务的对接,是我国商业银行为应对挑战,培育核心竞争力,推进经营结构调整而作出的一项战略性选择。对于目前尚处于探索阶段的商业银行投资银行业务,尽管开局不错,但仍有一些问题需要引起重视。介绍国外开展这一业务的理论与实践，通过借鉴国外的经验，详细地探讨了国内商业银行投资银行业务开展的必要性及其存在的金融政策、利益冲突、专业人才缺乏、科技力量不足、缺乏品牌优势等问题，并提出了建立投资银行业务部、培养专业化团队打造自己的品牌、进行准确的客户定位和适当的业务选择、加强与专业投资银行和其他中介服务机构的合作、切实做好风险防范工作等相应的策略。

关键词： 商业银行；投资银行；策略研究

Abstract
      To develop investment banking business actively and to achieve connection between commercial banking and capital market operations is a strategic option which Chinese commercial banks choose in order to meet the challenges,and enhance their core competitiveness,and promote the structural adjustment of operating.Now for the commercial bank's investment banking business which is still at the exploratory stage,despite a good start,However,there are some problems that need to attract attention. This article introduces the theory and practice of businesses abroad,To learn from the experience it discusses in detail the necessity,the main problems, such as: Financial policies, conflict of interest, lack of professionals, inadequate technological capability, lack of brand and the corresponding strategy,for example: The establishment of the investment banking business, professional training team create their own brands, accurate positioning and customers choose the appropriate business, with professional investment banks and other intermediary service institutions, to do a good job in risk prevention work .

Keywords：commercial bank; investment bank; strategy study

目　　录
摘    要 ......................................................I
Abstract ......................................................II
1 绪 　论 ...................................................1
1.1 研究背景................................................. 1
1.2 研究的目的和意义......................................... 1
1.2.1 研究目的 ...............................................1
1.2.2 研究意义 ...............................................1
1.3 国内外研究现状 ...........................................2
1.3.1 国外研究现状 ...........................................2
1.3.2 国内的研究现状 .........................................2
1.4 研究的方法和内容 .........................................3
1.4.1 研究的方法 .............................................3
1.4.2 研究的内容 .............................................3
2 理论基础 ...................................................4
2.1 商业银行与投资银行的定义................................. 4
2.1.1 商业银行的定义......................................... 4
2.1.2 投资银行的定义 .........................................4
2.2 投资银行基本业务 .........................................5
2.2.1 投资银行的传统业务..................................... 5
2.2.2 投资银行的创新业务与延伸业务........................ ...5
2.3 投资银行与商业银行的区别与联系........................... 6
3 商业银行从事投资银行业务的必要性与可行性分析 ...............7
3.1 我国商业银行开展投资银行业务的必要性..................... 7
3.1.1 是顺应国际金融业混业经营的趋势和要求 ...................7
3.1.2 主动顺应资本市场发展带来的挑战 .........................7
3.1.3 有助于降低我国商业银行的经营风险 .......................8
3.1.4 是防范风险和实现效益增长的迫切要求 .....................8
3.2 我国商业银行开展投资银行业务的可行性 .....................9
3.2.1 金融业混业经营的动力及理论基础......................... 9
3.2.2 金融监管理念的变化及外部监控体系的改进 .................9
3.2.3 技术进步的支持......................................... 10
4 我国商业银行开展投行业务现状及问题......................... 11
4.1 国外商业银行开展投行业务现状 .............................11
4.1.1 业务组织结构 ...........................................11
4.1.2 投行业务品种 ...........................................12
4.2 我国商业银行开展投行业务现状 .............................12
4.2.1 投行业务机构设置 .......................................12
4.2.2 投行业务范围........................................... 13
4.3 我国商业银行开展投行业务存在的主要问题 ...................14
4.3.1 金融政策的限制......................................... 14
4.3.2 利益冲突问题还无从解决................................. 14
4.3.3 专业人才缺乏 ...........................................15
4.3.4 科技力量不足........................................... 15
4.3.5 缺乏品牌优势 ...........................................15
5 我国商业银行开展投资银行业务的对策 .........................16
5.1 培养专业化团队，打造自己的品牌 ...........................16
5.1.1 培养专业投资银行人才 ...................................16
5.1.2 在发展中逐步形成自己的品牌 .............................16
5.2 进行准确的客户定位和适当的业务选择 .......................17
5.2.1 准确地定位客户 .........................................17
5.2.2 选择适当的业务......................................... 17
5.2.3 有限制地开展投资银行业务 ...............................17
5.3 加强与专业投资银行和其他中介服务机构的合作 ...............18
5.4 切实做好风险防范工作 .....................................18
结    论 .....................................................20
参考文献 .....................................................21
致    谢..................................................... 22
附　  录1 ....................................................23
附　  录2 ....................................................27

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