我国商业银行主动负债管理研究

首都经济贸易大学硕士学位论文我国商业银行主动负债管理研究姓名：顾翠华申请学位级别：硕士专业：金融学指导教师：太峰;沈炳熙20080325I2008100700200206070IIAbstractAlongwithfinancialmarket'sunceasingdevelopment,financialsystem'sinternalstructurewillhavetheprofoundtransformation.Marchinginto2008,themoneymarketgraduallyopenstotheoutsideworld,theinternationalcompetitionwillbeinternalizedandthedomesticmarketwillbeinternationalized.Therearemorethan100commercialbanksinthedomestic,morethan700creditassociations,morethan200foreignbankbranchofficesandtherepresentativeofficeinChina.Thecompetitionisalreadywhite-hotstate.Inthefinancialmarketstoattainafootholdtosoundoperation,wemustgraspsetsupfoundationoftheline.Ontheliabilitiesofcommercialbankstodeveloptheirbusinessassets,thebusinessoperatingataliabilitysetsupfoundationoftheline.Butnowsophisticateddomesticcommercialbank’sdebtstructure,wewillfindthattheirstatenotideal,orevenverycruxoftheproblem.Overalldepositsintheinitialstagesofproductdevelopment,theyarenotonlylackofinnovationdrivingforce,butalsoalackofliabilitymanagementsystemtheory.Therefore,inordertoadapttotheinternationalcommercialbankingcommondevelopmenttrend,China'scommercialbankdebtstructureofasinglesituationmustbechangedassoonaspossible.Inordertobetterachievethestructuralhedgetopreventandcontrolrisksandimprovetheirmanagementefficiencyandlevelofbenefits,improvingthemodeofoperationofcommercialbanks,breakingprofitsobstacles,expandbusinessBankofdifferentoperatingroom,timelyresearchanddevelopmentinitiativedebtbusinessisnecessaryaccordingtothecommercialbanksthemselves.Nomatterwhereontheonehandspeaking,intermsofsurvivalanddevelopmentbanksisofstrategicsignificance,butalsohelpspromoteourcountry'sfinancialmarketprosperityanddevelopment.Inthe1960sand1970s,WesterncommercialbanksputforwardtoactiveliabilitiesideologicaltheorieswhichhaveapositivereferencetosolvethepracticalproblemsofChina'sbanks.AlthoughtheWesternsocietyandourcountrypresentsituationaredifferent,butinWesternbankinitiativedebttheoryandinourcountrynationalconditionreasonableunionfoundation,thisstudyaimstodomesticcommercialbanksthroughdebtstructureanalysis,andanalysisofthemacroenvironmentandtheindustryoperatingenvironment,andrevealsthemainproblems.Itwillbeinconjunctionwiththecurrentmarketsituationandtheadvancedexperienceofforeigncountries.toCommercialbank'sinitiativedebt’sdevelopment,itwillbeproposedthatwhatissuitableforthedomesticdevelopmentthesuggestionandthemainutilizationprinciple,weshouldpromoteourcountrybankcontrolIIIfluidriskanddevelopassetoperationability,optimizeourservicepattern,andenhancetheinternalcommercebankthecompetitivepower.Thisarticlehasusedresearchtechniquesandsoonrealdiagnosislaw,comparisontest,analogism,carriesonthesystemelaborationtotheCommercialbankinitiativedebtmanagement.Thisarticledividesintosixparts.Thefirstpartofelaborationselectedtopicsignificance,whichcontainsthefundamentalresearchachievementandthethinkingofthisarticle.Thesecondpartintroducesthecommercialbankinitiativedebtbasictheory,whichmainlyincludesittostartthetheorythatthebackgroundandproducesfromthis.PartthreeexpoundsChina'scommercialbanksactiveliabilitymanagementcauses,whichexpoundsintheexternalenvironmentandinternalcontradictionsofthebankingsystemofliabilitymanagement.Thefourthpartpenetratesintothecommercialbank’sdebtstructurequestion,whichdescribestheirpresentsituationandtheexistencequestionsindetail.ThefifthpartelaboratedthatstrengthenstheCommercialbankinitiativedebtthenecessityandeffectiveness.LastpartisputsforwardtheproposalandthereferencetoourcountryCommercialbank'sinitiativedebtmanagement.TheCommercialbankinitiativedebtmanagement'sbackground,thepresentsituationaswellasthefuturewilldevelopcarryonsystemensemble'selaborationarethisarticleplacesofinnovation,summarizedpredecessor'srelatedtheory,andinspectedthedomesticmainCommercialbank'sconcreteconditionindetail,proposedthecorrespondingopinion,willsupplythevaluableinformationtakethetimeastheCommercialbankinitiativedebtmanagement.Keywords:CommercialBankInitiativeDebtDebtStructure15311.120072531.21.2.11820601.2.2200620072006353200620071.345322.120205060“”NOWATS20709.11,5532.22.2.120706532.2.2CDs20601961Q102.2.3193484200466.481934200415.621.316.48193467.4920049.7200424.8919617.63200449.83193424.88193432.51200481.18://—200612M1M2200811253(M2)18.94%203.3200611-200711WIND20073.23.2.113533.149.0559.2550.0831.0030.4843.97