我国商业银行发展投资银行业务的研究 (1)

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1、THERESEARCHOFDEVELOPINGlNVESTMENTBANKBUSlNESSBYCOMMERCIALBANKINCHINAABSTRACTWiththedevelopmentoffinancefreedomandworldeconomyintegrativetrend，commercialbankhasoversteppeditsoriginalbusinessandbecomethefinancesupermarketwhichinvolvesallkindsofbusinessinwesterncountry．AfterChinabeca

2、methememberofWTO，ourfinanceserviceindustryhastensitsstepofopening．Thus，ourcomercialbankshavetofacetheviolentcompetitionsfromthewesternbanks．Atthesametime，thedevelopmentofcapitalmarketinourcountrychallengethetraditionalbusinessofcommercialbank．Insuchsituation，Chinesecommercialbanks

3、tartedtheexploreofdevelopinginvestmentbankbusiness．Thedissertationbeginswiththerelativetheoriesthatcommercialbanksdevelopinvestmentbankbusiness．Onthesetheories’base，conbinedwiththeneedofpracticaleconomy,thedissertationdiscussthenecessityofcommercialbanksdevelopinginvestmentbankbus

4、iness．Inthefollowing，thedissertationintroducesthehistoryandstatusinquoofcommercialbanksdevelopinginvestmentbankbusinessbetweendomesticbanksandforeignbanks．Throughcomparison，1analyzetheexperienceofwesterncountry．Duetotheimportantimpactbymarketsituationandlawpolicy,Iintroduceandanal

5、yzethechangeofrelativelawandeconomyenvironment．ThenItrytofindthewayofcommercialbanksdevelopinginvestmentbankbusinessundertheexitinglawsystem．Then，Iintroducetheadvantagesanddisadvantagesofcommercialbanl‘sdevelopinginvestmentbankbusiness，analyzingtheirinfluencetoeomme饨ialdevelopingi

6、nvestmentbankbusiness．Finally,IsuggestthegeneraltacticarrangeofcommerciaIbanksdevelopinginvestmentbankbusinessanddevelopingstrategyaboutthecommercialbankanddetailedbusinessrunning·KEYWORDS：investmentbank；commercialbank；financeinnovation广西大学颂lj学位论文我国商业银行发展投资银行业务的研究绪论一、问题的提出传统上，投资银行

7、(InvestmentBank)指的是通过发行证券为企业和居民进行直接融资并为证券提供流动性服务的一类金融机构。投资银行作为一类独立的金融机构，开始于1933年资本主义社会大萧条之后。在对危机成因、演变及爆发进行反思后，人们认识到将存放款活动、证券发行与交易活动集中于一家金融机构，可能引致较大的金融风险，于是1933年美国通过了关于将存放款活动和证券业进行分业经营管理的《格拉斯一斯蒂格尔法》。该法案规定，以吸收存款为主要资金来源的商业银行除了可以进行投资代理、交易指定的政府债券、用自有资本有限制地购买某些股票和债券类证券业务之外，不能从事证券投资业务，而经

8、营证券投资业务的投资银行不能经营吸收存款等商业银行业务，同时，该法