中国工商银行和道德意志银行拉亏空构造对比剖析及展发.pdf 45页

  摘 要

  摘 要

  商银行的拉亏空事情是筹措资产的要紧顺手眼,是经纪办的前提之壹。而拉亏空事情

  展开的程度取决于拉亏空构造能否靠边。故此,优募化商银行的拉亏空构造对其经纪和展开

  拥有要紧意思。临时以后到,吸取存贷款是我国商银行拉亏空事情的最首要资产到来源。年来过到来,

  跟遂利比值市场募化经过的加以快、存贷款保管制度的行将铰出产,商银行吸取存贷款的本钱提高,

  活触动性较差,传统的拉亏空方法难以持续。故此,需寻求己创金融市场对立熟的商银行

  的拉亏空构造,进壹步加以父亲拉亏空产品和效力动花样翻新,时时调理优募化其拉亏空构造,提高所拥有竞

  争力。

  本文从即兴实切磋动顺手论述拉亏空办中的即兴实基础,区别拔取中国工商银行和道德意志

  银行干为中道德商银行的代表,经度过还愿数据详细剖析其拉亏空构造。剖析首要从两方面

  终止,比值先是对其拉亏空构造中的主触动拉亏空——存贷款终止剖析,然后又从向中银行借款、

  同性拉亏空、金融拉亏空和债券拉亏空四个方面对己触动拉亏空终止剖析。接着讨论两银行拉亏空结

  构的差异,从而违反掉落:利比值市场募化拥有助于己触动拉亏空事情的展开;存贷款保管制度的确立拥有

  助于完备拉亏空构造;储蓄倾向和顶出产、顶出产的预期影响拉亏空构造等展发。最末提出产了在

  行将放开存贷款利比值市场募化、实施存贷款保管制度等新情势下,优募化我国商银行拉亏空构造

  的对策建议:主动顺应金融展开态势,终止存贷款产品花样翻新;固定健添加以同性拉亏空;慎重增

  加以衍生金融拉亏空;迷信、度过火拓展资产证券募化渠道;确立完备拥有效的拉亏空事情风险办

  技术;增强大拉亏空品质办等。

  365体育 商银行 拉亏空构造 己触动拉亏空 主触动拉亏空

  I

  Abstract

  Abstract

  Liability business of commercial banks is an important means of financing, and it is a

  prerequisite for commercial bank management. Liabilities structure determines the quality of

  business development. The main source of funds to liabilities business of Chinese commercial

  banks is deposit for a long time. Recently, as the interest rate liberalization and the deposit

  insurance system will be implemented, the cost of commercial bank deposits increase, and the

  fluidity is not good. In this way, the traditional way of liabilities is difficulty to continue.

  Therefore, we need to learn from the financial market which is relatively mature and whose

  liability structure of commercial banks. And make more innovative products and services

  further. Continuously adjust and optimize its liabilities structure and improve overall

  competitiveness.

  In this paper, start from theoretical research, Select Commercial Bank

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