我国商业银行交易银行业务的发展与分析以中信银行为例.docxVIP

WUHAN COLLEGE 学生毕业论文 题 目：我国商业银行交易银行业务的发展与分析 以中信银行为例 指导教师： 职称： 姓名: 学号： 班级： 年级： 专业： 我国商业银行交易银行业务的发展与分析 ——以中信银行为例摘要 目前我国经济处于结构化调整、经济转型的过渡阶段，银行业在新常态背景 下进入行业调整期，我国商业银行的业务模式有待转型，而交易银行具有低风险、 低资本占用、收益稳定、触角延伸范阖广等优点，符合轻型银行的运营特点，能 够使得商业银行以相对较少的成本带來稳定的存款，是重要的存款、收入和利润 来源，而且交易银行使得商业银行的业务触角还可从企业自身扩展至该企业涉及 到的上下游产业链，提供一站式的闭环全链条结算和融资服务，有利于扩展客户 基础，积极发展交易银行已经成为我国各大商业银行在新常态背景下调整优化发 展模式的重要策略，在这一背景下对我国交易银行进行研究具有重要的理论和实 践意义，交易银行在我国仍位于起步时期是的当前关于交易银行的研究较少，因 此本文可以丰富交易银行业务问题的相关研究，在此基础上本文提出相关建议， 对我国商业银行发展交易银行、加快结构优化升级具有一定实践指导意义。 鉴于此，本文首先对交易银行的概念、特点、国外实践、发展意义以及FI前 在我国的发展现状进行了概述；其次，基于SWOT法指出了我国商业银行发展交 易银行的优势和劣势、机遇和挑战；再次，本文以屮信银行为例详细论述了商业 银行发展交易银行的理念与实践；最后据上提出了促进我国交易银行发展的建 议。 【关键词】交易银行；商业银行；屮信银行 Abstract With Chinas economic transformation and upgrading and deepening of financial reform, the banking industry will enter a stage of high risk and low return, and the business model of Chinas commercial banks need to be transformed. Transaction banking have many advantages such as low risk, light capital, stable income, high customer loyalty, etc., so fit in with the operating characteristics of light bank. Transaction banking brings commercial banks a stable deposit with relatively little cost, and drives large financial resources with less capital investment, so transaction banking can effectively reduce capital consumption and become an important source of savings, income and profit. And transaction banking makes the service tentacles of commercial banks extend from the core of the enterprise to the downstream industry chain, to provide one-stop closed loop chain settlement and financing services, which is conducive to expanding customer base. The development of transaction banking has become the strategic choice of Chinas major commercial banks in the context of the new normal transformation and upgrading. Under this background, it is of great theoretical and practical significance to conduct research on Chinas transaction banking. Chinas transaction banking are still in its infancy and there is