邮储银行开展投资银行业务研究.pdfVIP

摘 要 中国邮政储蓄银行（简称“邮储银行”）成立于2007 年，成立时间较短，但 资产规模超过5 万亿元，位居全国商业银行第六位，对我国的金融稳定和实体经 济具有较大影响。当前，邮储银行既面临着利率市场化、经济增速放缓、互联网 金融、激烈的同业及跨业竞争等商业银行共同面对的挑战，也面临着信贷规模紧 张、专业队伍匮乏、客户基础薄弱等邮储银行特有困境，这种格局下，大力发展 低资本消耗和少占用信贷规模的投行业务是其摆脱困境、突出重围的重要战略业 务。 本文首先分析了邮储银行开展投资银行业务的理论依据，重点分析了金融创 新理论的起源和发展过程及其对投资银行业务的指导意义；然后分析了邮储银行 投资银行业务现状、存在的问题及开展投行业务的必要性和可行性；之后分析了 其开展投资银行业务的国内外同行业借鉴，重点研究了国内外商业银行投资银行 业务的发展过程和主要产品；最后，通过上述研究得出了邮储银行开展投行业务 的现实路径，包括转变经营理念，促进传统业务与投行业务协同发展；优化组织 结构，以职能部门模式开展业务；丰富投行产品，建立以客户为中心的产品体系； 加强人员培训，建设一支高素质专业化投行队伍；完善营销机制，明确目标客户 和营销策略；健全风控体系，防范信用、市场和声誉风险。 关键词：邮储银行，投资银行，业务创新 5 Abstract Postal Savings Bank of China (PSBC) is a new bank, but the scale of assets more than 5 billion, ranking the sixth in the whole country. At present, the PSBC is facing the marketization of interest rates, economic growth has slowed down, the internet financial, intense and inter industry competition, is also facing the credit scale, professional team, customers lack etc. This paper first analyzes the theoretical basis of the PSBC to develop investment banking, focuses on the analysis of the origin and development process of financial innovation theory and its significance to investment banking; and then analyzes the present situation, the investment banking business of banks existing problems and developing investment banking business necessity and feasibility; and then analyzes the developing investment bank the business of the same industry at home and abroad for reference, the development process and the main products focus on the domestic and foreign commercial banks in investment banking business; finally, through the research above, the PSBC to carry out practical path of inv