我国商业银行开展投资银行业务的策略探析

Studies on Strategies for Domestic Commercial Banks to Develop Investment Banking Businesses

随着金融全球化的发展,发展投资银行业务,已经作为商业银行提高赢利水平、增强金融创新能力的重要内容,正日益受到国内各家商业银行的瞩目。为了顺应金融市场的变革对传统商业银行业务的挑战和市场竞争,满足客户的全方位的金融服务要求,大力发展投资银行业务,实现资本市场业务和商业银行业务的对接,是我国商业银行为应对挑战,培育其核心竞争力,推进其经营结构调整而作出的一项有效的战略性选择。对于目前尚处于摸索阶段的商业银行投资银行业务仍有一些问题需要引起重视。本文以国外开展投资银行业务的理论与实践为鉴,探析了国内商业银行投资银行业务开展的必要性及其存在的主要问题,并提出了相应的对策。

With the development of financial globalization, investment banking businesses, which have been used as an important part of commercial banks to improve the level of profitability and enhance financial innovation capability, are increasingly subject to the attention of domestic commercial banks. In order to adapt to the changes in the financial market of the traditional commercial banking business challenges and market competition and to meet a full range of financial services of customers, vigorously developing investment banking business and docking capital market businesses and commercial banking businesses is an effective strategic choice for China's com-mercial banks to cope with the challenges, cultivate its core competitiveness and promote its business structure adjustment. For the commercial banks still stay in the exploratory stage of the investment banking business, there are still a number of issues that need to be paid attention to. This paper takes the theory and practice of overseas investment banking for reference;then studies the necessity and problems of domestic commercial banks’ investment banking business, and finally puts forward the corresponding countermeasures.