商业银行黄金租赁业务的运营与风险分析

The Operation and Risk Analysis of Gold Leasing Business Conducted by Commercial Banks

近年来,我国黄金租赁业务迅速发展,已经成为商业银行中间业务的重要增长点,也成为国内商业银行黄金储备、交易量大幅增加的主要原因。本文以黄金租赁业务的发展现状为切入点,研究了黄金租赁业务运营模式,并结合具体案例揭示了当前形势下黄金租赁业务的突出风险,分析了风险产生的原因及影响,提出规范黄金租赁业务的相关政策建议。

In recent years,the rapid development of the gold leasing business in China has become an important growth point for the intermediary business of commercial banks.It has also become the main reason for the substantial increase in the gold reserves and transaction of domestic commercial banks.The paper studies the operating mode of the gold leasing business by taking the current situation of the gold leasing business development as the starting point,reveals the outstanding risks of the gold leasing business under the current situation combined with specific cases,analyses the causes of the risk and its impact,and ultimately proposes the policy recommendations for normalizing the gold leasing business.