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在我国，债券市场经过几十年的发展取得了长足的进步，为我国的非金融企业提供了
多渠道的融资方式。然而债券承销业务作为我国商业银行新兴的投行业务的一种，也
存在着企业融资观念陈旧、债券品种较少、风险管理存在滞后等问题。非金融企业通
过债券市场进行直接融资的需求不能够充分得到满足，债券市场亦不能充分起到分担
金融风险的作用
本文以 J 银行苏州分行为研究对象，结合金融管理相关理论，根据苏州地区金融
市场情况对 J 银行苏州分行债券承销业务的经营现状进行了深入研究。通过实地调查
发现 J 银行苏州分行债券承销业务中存在业务拓展不充分、产品结构单一、人才队伍
匮乏、风险管理手段薄弱等问题，并对这些问题产生的原因进行了分析，最后提出了
做好客户营销、加强产品运用、提升内部支持等适合 J 银行苏州分行债券承销业务发
展的对策与建议，对同类商业银行的债券承销业务发展有一定的参考意义
关键词：债券；承销；商业银行；发展
作 者：王依屏
指导老师：刘燕英文摘要 J 银行苏州分行债券承销业务发展研究
II
Research of bond underwriting business development
of J Bank Suzhou branch
Abstract
With the speeding up of the interest rate marketization, the vigorous development of
the Internet financial and restricted by various regulatory index, the profit model of China&39;s
commercial Banks rely on the traditional deposit and loan spreads is more and more
unsustainable and needs to develop all kinds of innovative business. Bond underwriting
business as a standard investment banking, whether to change its business model for
Chinese commercial Banks, optimize the structure of the business, or for the enterprises to
improve the financing structure and reduce the cost of financing has positive significance.
To give full play to the role of the bond underwriting business is undoubtedly a strategic
choice for commercial banks to deepen the comprehensive service capability. In our
country, the bond market has made great progress after decades of development, which has
provided a multi-channel financing way for China&39;s non-financial enterprises. However, as
one of the emerging investment banking business of commercial Banks in China, the bond
underwriting business also has some problems, such as the outdated concept of corporate
financing, the less variety of bonds and the lag of risk management. The demand of
non-financial enterprises for direct financing through the bond market cannot be fully met,
and the bond market cannot fully play the role of sharing financial risks.
This paper based on J Bank Suzhou branch as the research object, combining the relevant
theory of financial management, according to the financial market in Suzhou area, makes a
deep study of the current situation of the bond underwriting business of J Bank Suzhou branch.
Through field investigations, this paper found existing questions of bond underwriting business
of J Bank Suzhou branch such as business development is not sufficient, product structure is
single, personnel shortages, risk management is weak, and analyses the causes of these
problems, at last this paper puts forward some countermeasures and suggestions for bond
underwriting business development of J Bank Suzhou branch such as strengthen customer
marketing, strengthen product utilization, improve the internal support, also has referenceJ 银行苏州分行债券承销业务发展研究 英文摘要
III
significance to the development of bond underwriting business of similar commercial banks.
Key words: bond, underwriting, commercial bank, development
Written by: WangYiping
Supervised by: LiuYan目 录
第一章 绪 论·1
1.1 选题背景与研究意义··1
1.1.1 选题背景 ··1
1.1.2 研究的目的与意义 ··2
1.2 研究的思路与方法··3
1.2.1 研究思路和框架 ··3
1.2.2 研究方法 ··3
第二章 文献综述与相关理论··5
2.1 相关的概念与已有研究 ·5
2.1.1 债券承销业务相关概念 ··5
2.1.2 债券承销业务的发展与研究现状··7
2.1.3 文献评论 12
2.2 支撑本研究的相关理论 ··13
2.2.1 信息不对称理论 13
2.2.2 功能金融理论 13
2.2.3 银行贷款与公司债券选择理论14
第三章 J 银行苏州分行债券承销业务发展现状及问题分析 ·15
3.1 J 银行苏州分行债券承销业务现状 ·15
3.1.1 J 银行及其苏州分行情况概述··15
3.1.2 J 银行及其苏州分行债券承销业务概述··15
3.1.3 同业比较分析 16
3.2 J 银行苏州分行债券承销业务发展中存在的问题 ·18
3.2.1 业务拓展不充分 18
3.2.2 产品结构单一 19
3.2.3 人才队伍匮乏 20
3.2.4 风险管理手段薄弱 20
J 银行苏州分行债券承销业务发展研究3.3 成因分析21
3.3.1 经营理念不够重视 21
3.3.2 业务开展时间较短，经验不足21
3.3.3 激励机制不够灵活 22
3.3.4 传统业务模式不适应债券承销业务22
第四章 J 银行苏州分行债券承销业务发展目标及对策··24
4.1 明确业务发展目标24
4.1.1 短期目标 24
4.1.2 中长期目标 24
4.2 业务发展对策25
4.2.1 做好客户维护和营销 25
4.2.2 全方位推进债券产品 27
4.2.3 完善人才体系和激励机制 31
4.2.4 提升内部服务与支持 32
第五章 结论与展望 ·35
参考文献··36
攻读学位期间发表的论文 ·38
致 谢··39
J 银行苏州分行债券承销业务发展研究J 银行苏州分行债券承销业务发展研究 第一章 绪 论第一章 绪 论
1.1 选题背景与研究意义
1.1.1 选题背景
目前，我国商业银行收入主要来源于传统的存贷款利差，这样一种盈利方式使得
我国商业银行的发展壮大主要依靠信贷规模的扩张。然而随着利率市场化进程的加
快、互联网金融的蓬勃发展以及各种贷存比、票贷比等各种监管指标限制的影响，我
国商业银行依靠存贷款利差的盈利模式越来越难以持续，需要大力发展包括投行业务
在内的各类创新业务。当前我国金融市场处在发展的关键时期，资本市场的发展对于
调节直接融资和间接融资之间的比例关系、帮助货币政策向实体经济传导以及维护国
家经济、金融秩序的整体稳定都有着重要的战略意义。债券承销业务作为一种标准的
投行业务，无论是对于我国商业银行转变经营模式、优化业务结构，还是对于企业改
善融资结构、降低融资成本都有着积极的意义，充分发挥债券承销业务的作用，无疑
是各家商业银行提升综合金融服务能力的重要选择
。。。以上简介无排版格式，详细内容请下载查看
