兴业银行同业业务发展问题研究.docx

PAGEIII

摘要

近年来，随着国家经济体制改革的不断深入和国内利率市场化进程的逐步推进，各商业银行纷纷开始了业务转型。各商业银行都在积极发展同业业务，将其视为银行盈利的新增长点。同业业务的规模不断扩张，合作范围不断扩大，合作领域不断加深，合作水平不断提升都表明商业银行正处于业务转型的进程之中。本文通过整理关于银行同业业务方面的相关理论和文献，分析兴业银行同业业务的发展现状，通过对兴业银行同业业务发展问题的研究，发现其存在的问题，包括同业业务盈利能力差、同业产品单一、创新不足、同业非标业务的增长导致风险加大等问题，并针对其问题提出了调节同业资产配置，提高同业业务收入、克服同业竞争压力，加强产品创新力、培养风险管理文化，加强同业业务流动性管理的对策。希望本文的研究结果可以为其他商业银行这一类业务的发展提供参考。

关键词：兴业银行；同业业务；同业资产

ABSTRACT

Inrecentyears,withthecontinuousdeepeningofnationaleconomicsystemreformandthegradualadvancementofdomesticinterestratemarketizationprocess,variouscommercialbankshavestartedbusinesstransformationoneafteranother.Commercialbanksareactivelydevelopinginterbankbusinessasanewgrowthpointforbankprofits.Thescaleofinterbankbusinesscontinuestoexpand,thescopeofcooperationcontinuestoexpand,andthescopeofcooperationcontinuestodeepen;Thecontinuousimprovementofcooperationlevelindicatesthatcommercialbanksareintheprocessofbusinesstransformation.

Byorganizingtherelevanttheoriesandliteratureoninter-bankbusiness,AnalyzethedevelopmentstatusofindustrialBankofinter-bankbusiness,ThroughtheresearchonthedevelopmentofIndustrialBank,Findoutaboutitsexistingproblems,Includingthepoorprofitabilityoftheinter-bankbusiness,thesingleinter-bankproducts,Lackofinnovation,thegrowthofinter-banknon-standardbusinessleadstoincreasedrisksandotherproblems,Andinviewoftheproblemproposedtoadjusttheinterbankassetallocation,Increasetheinterbankbusinessincomeandovercomethepressureofinterbankcompetition,Strengthenproductinnovationandcultivateariskmanagementculture,Countermeasurestostrengthentheliquiditymanagementofinter-bankbusiness.Ihopethattheresearchresultsofthisarticlecanprovidereferenceforthefindingofthistypeofbusinessinothercommercialbanks.

Keywords：INDUSTRIALBANK;Inter-bankbusiness;Interbankassets

目录

第1章前言