随着利率市场化的进程，商业银行利差收窄，盈利空间下降，同时伴随着金融行
业激烈竞争，商业银行盈利空间进一步受到挤压。近年来中国并购市场持续火热，苏
州地区并购市场也逐年扩容，繁衍了众多并购业务机会

苏州K银行作为商业银行的分支机构，寻找新的利润增长点已成为其生存发展的
当务之急。为抢抓市场机遇，提高自身盈利能力，苏州K银行投资银行部不断拓展企
业并购业务。本文介绍了苏州K银行投资银行部企业并购业务的发展现状，并利用波
士顿矩阵，从市场增长率和市场占有率两个维度分析了苏州K银行投资银行部目前并
购业务的定位，确定了其今后的拓展方向。本文通过介绍苏州K银行投资银行部并购
业务的发展现状，发现了苏州K银行投资银行部在拓展企业并购业务面临着人员配置
不足、实践产品单一、议价能力不足、审批效率不高和人员积极性不高等问题，并剖
析了产生这些问题的原因。针对所面临的问题提出相关建议：一是正确认识并购业务，
提高重视程度；二是加强并购产品创新，融合“融资+融智”；三是提高并购参与度，
树立品牌形象；四是完善并购风控体制，建立差异化审批；五是培养引进并购专业人
才，完善考核与激励机制

关键词:企业并购 投行业务 拓展 苏州K银行投资银行部
作 者：朱韵姣
指导老师：薛誉华II
Research on Mergers and Acquisitions Business of the
Investment Department of Suzhou Branch of Bank K
Abstract
The M&A business of a commercial bank means to provide services for an enterprise
which is in M&A processing. The bank can help the enterprise to do an investigation, to do
value assessment,to design the transaction structure, to negotiate with the counter-party,and
to offer capital and financing methods.
With the interest rate marketing and the competitions during financial
institutions ,the margin of commercial banks is becoming less and less,and so is the profit.
In recent years, the M&A market of China continues to expanding,and so does the regional
market in Suzhou,which brings a lot of opportunities for M&A businesses for commercial
banks.
To keep profit growing is a pressing matter of the moment for Suzhou Branch of Bank
K. The Suzhou branch is expanding the business of M&A,to grasp the market opportunities
and to improve the profitability itself.This paper introduces the present situation of M&A
Business of the investment department of Suzhou Branch of Bank K and determines the
future development direction of the M&A Business using the BCG matrix. A discussion
and analysis have be made in this paper, about the problemsfaced by Suzhou branch,the
reasons and solutions to these problems in the practices of M&A of the investment banking
businesses bySuzhou Branch of Bank K.
[Key words]M&A；Investment banking;development;the investment department of
Suzhou Branch of Bank K
Written by: Zhu Yunjiao
Supervised by: Xue Yuhua目 录
第一章 绪论 ...........1
一、研究背景........1
（一）商业银行的企业并购业务.........1
（二）现实背景.1
二、研究意义和目的........3
三、国内外研究综述及简要评析4
（一）国外相关文献.....4
（二）国内相关文献.....4
（三）国内外文献的评述和比较.........5
四、研究方法、研究思路和框架6
（一）研究方法.6
（二）研究思路.6
（三）本文的框架.........6
五、本研究可能的创新与不足....7
（一）论文可能的创新.7
（二）论文的不足之处.7
第二章 相关理论 .....8
一、交易费用理论8
（一）交易费用.8
（二）交易费用理论的提出.....8
（三）交易费用理论的发展.....9
二、金融创新理论9
（一）金融创新的提出.9
（二）金融创新理论的流派...10
三、波士顿矩阵..11
（一）基本原理...........11
（二）运用和局限.......12第三章 苏州 K 银行投资银行部企业并购业务的发展现状....14
一、企业并购业务的开展概况..14
二、企业并购业务的定位分析..14
（一）市场增长率和业务增长率.......15
（二）市场份额...........16
（三）发展策略...........17
三、企业并购业务的发展现状..17
（一）机构设置...........18
（二）产品体系...........18
（三）定价和创收.......19
（四）审批流程...........19
（五）考核与激励.......20
第四章 苏州 K 银行投资银行部开展企业并购业务存在的问题与原因..........21
一、面临的问题....
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