中小商业银行发展债券投资业务的研究.docVIP

中小商业银行发展债券投资业务研究 摘 要 目前，我国中小商业银行持有债券资产的数量在不断增加，债券投资收入在商业银行总收入中的占比也越来越高，债券投资对商业银行资产配置和利润形成的作用日益明显。因此中小商业银行在后经济危机时代进行债券投资策略问题的研究，以及对投资过程中风险防控措施己经成为了我国中小商业银行必须解决的问题。 本文在分析我国中小商业银行债券投资业务发展现状的基础上，分析了我国中小商业银行债券投资业务存在的问题以及分析了影响我国中小商业银行债券投资业务的成因，并从宏观上提出了解决我国中小商业银行债券投资业务问题的对策。最后，结合笔者所在工作单位----内蒙古银行A分行的债券投资业务存在的问题，提出了一点操作性强的对策，以期为内蒙古银行A分行在债券投资业务方面提供一定的理论参考。 关键词：商业银行；银行发展；债券投资 Abstract At present, small and medium-sized commercial banks in China hold the number of bond assets are increasing, investment income in total income of commercial banks accounted for more than more, form a bond investment to the commercial bank assets allocation and profits is increasingly obvious. Therefore the small and medium-sized commercial banks in the post-crisis era of bond investment strategy problem, as well as to the risk prevention and control measures in the process of investment has become the small and medium-sized commercial banks in China must solve the problem. Based on the analysis of present situation of small and medium-sized commercial banks bond investment business development in China, analyzes the existing bond business of small and medium-sized commercial banks in question as well as the influence of bond business in small and medium-sized commercial banks in China are analyzed, and puts forward the countermeasures to solve the small commercial bank bond investment business in our country from the macro. Finally, combined with the authors work - the Bank of Inner Mongolia branch of A bond investment business problems, puts forward some feasible countermeasures, in order to Inner Mongolia A Bank branch in bond investment business to provide certain theoretical reference. Keywords: Commercial Bank; bank bond investment development; 1绪论 1.1研究背景 我国中小商业银行传统的经营模式是以存贷款为主，贷款收入是中小商业银行利润的主要来源，长期以来我国商业银行一直致力于扩充贷款规模和加大信贷市场占有率作为商业银行的发展战略，由于各地民营企业正处于发展阶段，偿债能力参差不齐，容易造成商业银行垒大户和民营企业贷款借新还旧的现实情况。从长远来看，这种收入结构单一的发展模式资产风险程度较高，流动性较差，不利于商业银行良性的发展。为应对金融危机造成的经济下滑的局面，我国金融监管部门出台了“信贷从紧、货币宽松”的宏观调控政策。在国家