本文選題：商業(yè)銀行 + 負債結(jié)構(gòu)��； 參考：《河北大學》2015年碩士論文

【摘要】：商業(yè)銀行的負債業(yè)務是籌措資金的重要手段,是經(jīng)營管理的前提之一。而負債業(yè)務發(fā)展的程度取決于負債結(jié)構(gòu)是否合理。因此,優(yōu)化商業(yè)銀行的負債結(jié)構(gòu)對其經(jīng)營和發(fā)展有重要意義。長期以來,吸收存款是我國商業(yè)銀行負債業(yè)務的最主要資金來源。近年來,隨著利率市場化進程的加快、存款保險制度的即將推出,商業(yè)銀行吸收存款的成本提高,流動性較差,傳統(tǒng)的負債方式難以繼續(xù)。因此,需要借鑒金融市場相對成熟的商業(yè)銀行的負債結(jié)構(gòu),進一步加大負債產(chǎn)品和服務創(chuàng)新,不斷調(diào)整優(yōu)化其負債結(jié)構(gòu),提高整體競爭力。本文從理論研究入手闡述負債管理中的理論基礎,分別選取中國工商銀行和德意志銀行作為中德商業(yè)銀行的代表,通過實際數(shù)據(jù)具體分析其負債結(jié)構(gòu)。分析主要從兩方面進行,首先是對其負債結(jié)構(gòu)中的被動負債——存款進行分析,然后再從向中央銀行借款、同業(yè)負債、金融負債和債券負債四個方面對主動負債進行分析。接著探討兩銀行負債結(jié)構(gòu)的差異,從而得到:利率市場化有助于主動負債業(yè)務的開展;存款保險制度的建立有助于完善負債結(jié)構(gòu);儲蓄傾向和收入、支出的預期影響負債結(jié)構(gòu)等啟示。最后提出了在即將放開存款利率市場化、實施存款保險制度等新形勢下,優(yōu)化我國商業(yè)銀行負債結(jié)構(gòu)的對策建議:積極適應金融發(fā)展態(tài)勢,進行存款產(chǎn)品創(chuàng)新;穩(wěn)健增加同業(yè)負債;審慎增加衍生金融負債;科學、適度拓展資產(chǎn)證券化渠道;建立完善有效的負債業(yè)務風險管理技術(shù);加強負債質(zhì)量管理等。
[Abstract]:The debt business of commercial banks is an important means to raise funds and is one of the preconditions of management.The degree of debt business development depends on whether the debt structure is reasonable.Therefore, optimizing the debt structure of commercial banks is of great significance to its operation and development.For a long time, the absorption deposit is our country commercial bank debt business the most main fund source.In recent years, with the acceleration of interest rate marketization process, deposit insurance system will be launched, the cost of commercial banks to absorb deposits increased, liquidity is poor, the traditional way of debt is difficult to continue.Therefore, it is necessary to draw lessons from the debt structure of commercial banks which are relatively mature in financial market, further increase the innovation of debt products and services, constantly adjust and optimize their debt structure, and improve their overall competitiveness.In this paper, the theoretical basis of debt management is expounded from the theoretical research. ICBC and Deutsche Bank are selected as the representatives of China and Germany Commercial Bank respectively, and their debt structure is analyzed concretely through actual data.The analysis is mainly carried out from two aspects: first, the passive liabilities-deposit in its debt structure, and then the active liabilities from four aspects: borrowing from the central bank, interbank liabilities, financial liabilities and bond liabilities.Then the differences of debt structure between the two banks are discussed, and the following conclusions are obtained: the marketization of interest rate is helpful to the development of active debt business, the establishment of deposit insurance system helps to perfect the debt structure, the tendency of saving and the income.The expected impact of expenditure on debt structure and other revelations.Finally, under the new situation of liberalizing the deposit interest rate and implementing the deposit insurance system, the paper puts forward the countermeasures and suggestions to optimize the debt structure of the commercial banks of our country: actively adapt to the financial development situation, carry on the deposit product innovation;To increase the interbank debt steadily; to increase the derivative financial liabilities prudently; to expand the channels of asset securitization scientifically; to establish and perfect the effective risk management technology of liability business; to strengthen the debt quality management and so on.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F835.16;F832.33;F830.42

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