监管变化和利率市场化环境下XX商业银行企业金融业务转型的对策研究-工商管理专业论文.docxVIP

万方数据 万方数据 摘要 后金融危机时代，银行业监管规则发生重大变化，朝着更加严格的监管方向 发展，主要体现在提高资本充足率要求以及同业新规限制商业银行同业业务等。 同时，我国经济发展自身存在的结构性矛盾需要调整，市场化改革进程加快，最 突出的表现是利率市场化的加速推进，这两个方面因素的叠加对商业银行产生“挤 压”效应：传统意义上的银行自营资产和负债均受到限制使得银行无法维持像过 去一样的业务增长速度，且资产价格难以上行和负债成本提升导致盈利增长空间 受限。这些都将倒逼银行业的改革、转型，银行业的未来存在分化趋势。 对 XX 商业银行来说，监管变化和利率市场化对企业金融业务产生了冲击，体 现在资产端的优质资产业务可得性下降和资产业务价格下降，负债端的筹资模式 变化和资金成本上升，以及利润方面的利差收窄、“以量补价”难以为继、同业业 务利润减少和其他成本支出上升等方面。 基于此，为应对利率市场化和全面变革的环境，XX 商业银行企业金融业务需 要进一步深化改革和转型升级,本文借鉴了同业的应对策略，提出“转变观念拓展 视野，培育集团核心业务和品牌，深化体制机制改革，加强基础建设”的总体思 路，并给出了具体的工作重点：一是合理把握节奏，加强资产负债协调匹配管理； 二是突出战略重点，进一步加快经营转型步伐；三是完善体制机制，努力提高经 营管理的灵活性、有效性；四是夯实管理基础，切实增强业务发展后劲。最后， 本文还总结了研究结论并展望未来的研究。 关键词：监管变化；利率市场化；企业金融业务；转型对策 I Abstract Since the financial crisis, banking regulatory rules have significantly changed. The supervision is getting more and more rigorous, which mainly reflected in increasing the capital adequacy requirements. Another reflection is the restriction of interbank businesses by new interbank business regulatory. At the same time, there are structural contradictions existing in China’s economy during development which needs to be adjusted. Therefore, the market-oriented reform process is accelerating, and the most outstanding performance is the acceleration the interest rate marketization. All the above factors exert a squeeze effect on commercial banks. The traditional sense of the self-operation assets and liabilities are restricted, so banks cannot maintain the growth rate appeared in the past. Meanwhile, the asset price cannot keep rising and the liability costs keep increasing, which cause margin space get limited. Facing all these factors, the banking industry is forced to conduct reform and transformation. The future of bank industry will be differentiated. Regulatory changes and interest rate marketization impact corporate finance businesses of XX commercial bank, causing the decreasing of good-quality assets availability in the asset end as well as business assets prices. Moreover, financing mode in liabilities end