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本文首先给出了欧美发达资本市场大型商业银行开展资产管理业务时所采
取的业务模式及各自的发展优势，接下来给出了我国的商业银行所从事资产管理
业务的界定以及过去一年我国商业银行在资产管理业务尤其是在理财业务上的
发展状况，对我国商业银行运作模式中“资产池－资金池模式”的特点，优劣性进
行了详细分析。通过对比发达资本市场商业银行与我国商业银行在资产管理的发
展历程、业务模式、管理模式和监管模式上的不同，找出我国商业银行发展资产
管理业务过程中存在的不足之处。最后，本文从监管政策角度以及商业银行自身
发展两个角度给出了我国商业银行进行资产管理业务转型的合理化建议
关键词：商业银行，资产管理，中外对比II
ABSTRACT
Since the reform and opening up, China&39;s economy has experienced a rapid
development. Like many emerging economies, China&39;s economic growth has slowed
in recent years, coupled with the rise of the Internet financial services, to a large
extent, the source of profit for commercial banks is reduced. The changes of economic
environment have brought new challenges to the development of the asset
management business of commercial banks. In July 2013, Bank of China announced
full relax lending rates, reducing the traditional profit of commercial banks. Financial
market competition is more intense, forcing commercial banks to make a transition as
soon as possible. Asset management plays an important role in helping commercial
banks to expand intermediary business, increase intermediate business income and
expand overall competitiveness. Because of the development of the asset management
business of commercial banks in our country is still immature, there are many
obstacles in the management and policy measures. Only by overcoming these
obstacles, we can better promote the development of the asset management business
of commercial banks in China, and improve the efficiency of the management of
commercial banks.
Firstly, this paper analyzes the asset management business model and the
advantages of the large commercial banks in Europe and the United States. Secondly,
this paper gives the definition of the asset management business of China&39;s
commercial banks as well as the development of the bank in the asset management
business, especially in the financial business in the past year. Analysis on the pattern
and current situation of Chinese commercial banks&39; operation mode. Compared with
the asset management business of major domestic large commercial banks, find out
the deficiency of the asset management business of our commercial banks and the
improvement of the method. At last, the paper puts forward the suggestions on the
transformation of asset management business of commercial banks in China from two
aspects, including the regulatory policy and commercial banks themselves.
KEY WORDS: Commercial Bank, Asset Management, Comparison Between
Chinese And Foreign CountriesIII
目 录
摘要........I
ABSTRACT.....II
目录.....III
第 1 章 引言 ...1
1.1 选题的背景和意义 ...1
1.1.1 选题背景 .......1
1.1.2 选题意义 .......1
1.2 研究思路和研究方法 ...........2
1.2.1 研究思路 .......2
1.2.2 结构安排 .......2
1.3 研究综述 .......3
1.3.1 发展资产管理业务必要性 ...3
1.3.2 资产管理业务发展历程 .......5
1.3.3 商业银行资产管理业务发展 ...........5
1.4 本文的创新点和不足之处 ...7
第 2 章 发达资本市场商业银行资产管理业务发展...........8
2.1 发达资本市场上商业银行资产管理业务模式 .......8
2.1.1 以业务条线子公司为主要形式的综合性商业银行 ...........8
2.1.2 矩阵式的综合管理银行 .....13
2.1.3 以资产管理业务为主的商业银行 .16
2.2 发达资本市场商业银行资产管理业务的业务特点分析 .17
第 3 章 我国商业银行资产管理业务分析.19
3.1 我国商业银行资产管理业务简述（以商业理财产品业务为例） .........19
3.1.1 我国商业银行理财业务的运作模式分析 .19
3.1.2 “资产池－资金池模式”特点 .........21
3.1.3 “资产池－资金池模式”优缺点 .....22
3.1.4 “资产池－资金池模式”下银行流动性风险案例 .23
3.2 我国商业银行资产管理业务特点分析 .....25
3.3 我国商业银行资产管理业务现状分析（以理财产品管理为例） .........26IV
3.3.1 理财产品规模增长迅速 .....26
3.3.2 理财资金投资结构稳定 .....29
3.3.3 理财支持实体经济发展 .....31
3.3.4 理财产品回报丰厚 .31
3.3.5 理财业务风险可控 .32
3.4 我国商业银行资产管理业务运行中存在的主要问题 .....33
第 4 章 中外商业银行资产管理业务对比分析.....35
4.1 中外商业银行资产管理业务的发展历程对比分析 .........35
4.1.1 发达资本市场商业银行资产管理业务的发展历程分析 .35
4.1.2 我国商业银行资产管理业务的发展历程分析 .....36
4.2 中外商业银行资产管理业务管理模式对比分析 .37
4.2.1 发达资本市场商业银行资产管理业务管理模式分析 .....37
4.2.2 我国商业银行资产管理业务的管理模式分析 .....37
4.3 中外商业银行资产管理业务的监管模式对比分析 .........38
4.3.1 发达资本市场商业银行资产管理业务的监管模式分析 .38
4.3.2 我国商业银行资产管理业务监管模式分析 .........39
第 5 章 我国商业银行发展资产管理业务建议.....41
5.1 市场监管与法律政策方面 .41
5.1.1 明确商业银行理财业务经营的法律地位 .41
5.1.2 增加理财产品的投资渠道 .41
5.1.3 规范相关信息披露 .42
5.2 商业银行自身经营管理 .....42
5.2.1 加强对相关监管信息
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