摘要
I
中国工商银行苏州分行投资银行业务的
风险管理研究
中文摘要
随着经济全球化和金融市场的快速发展，金融脱媒逐步显现。投资银行作为金融
市场发展的必然产物，随着中国经济的大发展，在国内金融市场中迅速崛起。为应对
该现状以及顺应未来发展趋势，国内各类商业银行也不同程度地开展了投资银行业
务。随着贷款和存款利率管制的取消，利率市场化改革基本完成，存贷利差空间受到
大幅挤压。而与此同时，国内资本市场融资猛增，活力愈发强劲。因此，国内商业银
行牢牢抓住时代机遇，在政策允许的范围内，各银行的大部分投资银行业务正通过全
能银行或者金融控股公司的模式迅速开展。而开展投资银行业务无疑对一贯“分业经
营”的商业银行带来了极大的挑战以及收益结构和风险管控的巨大变化

本文首先通过回顾国外投行发展历程，结合我国商业银行投行业务现状，就国内
外投资银行业务发展特点作出分析。其次，作者本人作为投资银行业务的从业者，从
实际分析投资银行业务自身的风险特点，辨析商业银行混业经营风险。同时，本文通
过分析中国工商银行苏州分行投资银行业务开展情况，进行特定对象的风险管理研
究，并对具体业务提出风险防范措施。以期能对国内商业银行投资银行业务的开展起
到一定的借鉴意义

关键词：投资银行、风险、风险管理
作者：王佳一
指导老师：李晶
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II
Research on risk management of investment banking
in Suzhou branch of ICBC
Abstract
With economic globalization and the rapid growth of financial mark, The
phenomenon of disintermediation has appeared gradually. There have been an increasing
number of investment banks that serve as the inevitable outcomes of Chinese capital
market in domestic financial markets. In response to the current situation, commercial
banks in China have seized the opportunity of the growth of capital market and have
developed investment banking to comply with the time development. Commercial banks
have set up universal banks or financial holding company to develop investment banking
to the extent permitted by generally applicable regulations, laws and policies. Moreover,
the reason of developing investment banking is that with the release of regulation of RMB
deposit-to-loan interest rate, the process of market-oriented reforms of interest rates has
been completed and as a result, the margin has been eroded. Furthermore, commercial
banks implementing strict separated operation will be faced with huge changes of yield
structure, and risk management and control.
Firstly, the paper analyzes the characteristics of the growth of domestic and foreign
investment banking through reviewing the development history of foreign investment
banking and combining the current situation of domestic investment banking. Secondly,
the author as an employee in the investment banking department in Industrial and
Commercial Bank of China analyzes the characteristics of the risk of investment banking
and the risk of mixed operation model practically. Thirdly, the situation and the
development of the investment banking in Suzhou branch of Industrial and Commercial
Bank of China is analyzed in this article. Moreover, the author hopes that the growth of
investment banking in commercial banks will be improved to some extent.
Key words：investment banking, risk , risk research
Written by: Wang Jiayi
Supervised by: Li Jing
目 录
第一章 绪论 ...........1
一、研究背景和意义........1
（一）研究的背景.........1
（二）研究的意义.........2
二、国内外研究述评........3
（一）国外研究述评.....3
（二）国内研究述评.....4
三、研究方法、研究思路及框架6
（一）研究方法.6
（二）研究思路与框架.6
第二章 商业银行开展投行业务现状及风险来源分析...8
一、国外投资银行发展情况........8
（一）美国投资银行发展历程.8
（二）德国投资银行发展历程.9
（三）日本投资银行发展历程...........10
二、我国商业银行投资银行业务发展概述......11
（一）我国投行业务发展历程...........11
（二）工商银行投行业务发展概况...12
三、商业银行开展投行业务风险来源分析......15
（一）混业经营带来的风险分析.......15
（二）投资银行业务自身风险分析...17
第三章 中国工商银行苏州分行投行风险管理现状.....20
一、中国工商银行苏州分行投行业务发展概况..........20
二、中国工商银行苏州分行投行业务风险管理存在的问题..20
（一）机制体制传统化...........20
（二）业务管理信贷化...........21
（三）基层团队兼职化...........21
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（四）风险处置经验少...........21
三、中国工商银行苏州分行投行风险管理不足的原因..........22
（一）内部机制不完善...........22
（二）业务流程不独立...........22
（三）人员水平欠缺和激励机制尚缺乏.......22
（四）外部多重因素受影响...23
第四章 中国工商银行苏州分行投资银行业务风险管理对策分析.....24
一、加强内部风险控制机制......24
（一）建立内部风险传递隔离机制...24
（二）执行针对性强的内控制度.......25
（三）提高投行人员水平和职业操守...........26
二、完善外部风险监管力度......27
（一）完善法律法规..........
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