自 1998 年开始了我国资产托管业务从封闭式证券投资基金托管发展至 今，经过了二十年的发展历程，托管资产占据了金融市场中的重要地位，以 多元化为主的发展方向，促进资产托管业务利用最少的投入实现更加稳健的 收益，而且资本消耗低，不会成为经济资本的一部分，能够产生协同效应经 济。资产托管以低消耗资本的模式构筑成了商业银行的中间业务，极大地促 进了商业银行的服务水平和服务能力的优化，强化了金融业务机构的调整升 级，去除了只依赖于存贷款利差来获取收益的盈利模式，实现了金融机构发 展模式的多样化进程。 本文首先介绍了资产托管业务的产生及其运行机制，并阐述了资产托管 业务的相关概念和思想。然后对资产托管在中国产生、发展以及未来走向进 行介绍和阐述。之后分析了中国银行黑龙江省分行资产托管业务的现状以及 存在的问题。主要问题包括：托管业务制度流程不规范，易造成违规风险； 投资托管业务种类单一，没有提供全方位服务的能为；托管业务客户基础薄 弱，新生动力欠缺等问题。而后分析论述了影响这些问题的内部和外部原因。 最后，针对以上问题，提出了要完善规章制度建设、选择适宜分行业务发展 的托管产品、深挖本地的重点客户、加强对分支机构及省行部门的培训指导、 加强全行的联动营销、继续拓宽深化托管业务服务领域等相应的解决对策， 另外，本文提出了进行绩效评价、强化培训制度和深度开发软件 3 个角度的 保障策略，以便于为托管业务的改革方案成功保驾护航。 本研究依据笔者的实际工作开展的研究和分析，目的是为笔者工作的黑 龙江省分行开展资产托管业务，提供政策建议以及提出发展对策。 关键词：商业银行；托管业务；转型哈尔滨工业大学工商管理硕士学位论文 - II - Abstract Asset custody business in our country from 1998 since development of closed-end securities investment fund custody, after 20 years of development, custody assets is presented the development trend of diversification, asset custody business position in the financial markets, asset custody business have not occupy economic capital, low capital consumption, income stability, low cost, stable capital precipitation, business synergies obvious characteristics. As the intermediate business of commercial Banks with light capital, asset custody plays an extremely important role in improving the comprehensive service capacity of commercial Banks, adjusting the business development structure, adjusting the income structure relying on deposit and loan interest margins, and pursuing transformation and upgrading. The generating and operating mechanism of asset custody business are firstly illustrated in this paper, and expounds the basic theory of asset custody business. Secondly, The occurrence and evolution of asset custody business and the development direction of asset custody business were summarized in China. Then it analyzes the current situation and existing problems of asset custody business of Heilongjiang branch of bank of China. The main problems include: the hosting business system process is not standardized, easy to cause the risk of violation; The type of investment custody business is single and there is no ability to provide all-round services; Hosting business customer base is weak, the lack of new impetus. The internal and external factors causing some problems are further analyzed. Finally to solve the problem, put forward to perfect the rules and regulations construction, choose appropriate branch business development of trust products, dig the focus of the local customers, to strengthen the training of branches and department guidance, strengthen the linkage of the whole marketing, continue to broaden the deepening custody business services and other corresponding measures, to ensure the smooth implementation of transformation scheme at the same time, this article also from the staff performance appraisal, training mechanism construction as well as the software development and so on several aspects put forward the safeguard measures of the哈尔滨工业大学工商管理硕士学位论文 - III - development of the custody business. Combined with the author's many years of work experience, this paper aims to provide intellectual support and development countermeasures for the development and transformation of asset custody business of Heilongjiang branch through analysis and research. Keywords: Commercial Banks, hosting business, transformation哈尔滨工业大学工商管理硕士学位论文 - IV - 目 录 摘要...............................................................................................................................I Abstract..........................................................................................................................II 第 1 章 绪论................................................................................................................... 1 1.1 课题研究的背景和意义.................................................................................... 1 1.2 国内外研究现状.................................................................................................2 1.2.1 国外研究现状..............................................................................................2 1.2.2 国内研究现状..............................................................................................4 1.3 主要研究内容及方法.........................................................................................5 1.3.1 基本思路.......................................................................................................5 1.3.2 主要研究方法..............................................................................................6 第 2 章 资产托管业务的相关概念与发展趋势.......................................................7 2.1 资产托管业务的产生和运行机制...................................................................7 2.1.1 资产托管的定义..........................................................................................7 2.1.2 资产托管的类型..........................................................................................7 2.1.3 资产托管业务的服务内容.........................................................................8 2.2 我国商业银行资产托管业务发展现状........................................................ 10 2.2.1 资产托管业务在我国产生和壮大..........................................................10 2.2.2 我国商业银行资产托管业务的现状......................................................11 2.3 资产托管业务的发展前景及未来趋势.........................................................11 2.3.1 资管新规对商业银行托管业务发展的影响.........................................12 2.3.2 资产托管业务的未来发展趋势..............................................................13 2.4 本章小结............................................................................................................14 第 3 章 中国银行黑龙江省分行资产托管业务现状............................................ 15 3.1 中国银行资产托管业务概况介绍.................................................................15 3.1.1 中国银行托管业务整体经营情况介绍.................................................16 3.1.2 中国银行境内托管业务布局及职责分工.............................................17 3.2 中国银行黑龙江省分行资产托管业务发展及现状...................................19 3.2.1 中国银行黑龙江省分行资产托管业务的概况....................................19 3.2.2 与同业的对比和当地市场地位..............................................................23 3.3 本章小结............................................................................................................25哈尔滨工业大学工商管理硕士学位论文 - V - 第 4 章 中国银行黑龙江省分行资产托管业务存在的问题及成因...................26 4.1 中国银行黑龙江省分行资产托管业务存在的问题...................................26 4.1.1 规范制度管理方面....................................................................................26 4.1.2 资产托管产品方面....................................................................................27 4.1.3 资产托管客户方面....................................................................................28 4.2 中国银行黑龙江省分行资产托管业务短板的成因...................................30 4.2.1 内部原因.....................................................................................................30 4.2.2 外部原因.....................................................................................................31 4.3 本章小结............................................................................................................33 第 5 章 中国银行黑龙江省分行资产托管业务发展对策及保障措施.............. 34 5.1 中国银行黑龙江省分行资产托管业务的发展对策...................................34 5.1.1 完善制度、流程和人才队伍建设..........................................................34 5.1.2 选择适宜分行拓展的托管产品..............................................................36 5.1.3 深耕本地重点客户营销...........................................................................39 5.1.4 加强对分行的培训指导...........................................................................40 5.1.5 加强全行各部门联动...............................................................................40 5.1.6 继续拓宽深化服务领域...........................................................................41 5.2 中国银行黑龙江省分行资产托管业务发展的保障措施.......................... 42 5.2.1 完善员工管理体系....................................................................................42 5.2.2 完善从业人员培训机制...........................................................................43 5.2.3 托管业务操作系统应用软件开发..........................................................44 5.3 本章小结............................................................................................................45 结 论............................................................................................................................46