【作者】 刘震；

【导师】 刘金全；

【作者基本信息】 吉林大学 ， 高级管理人员工商管理， 2013， 硕士

【摘要】 金融同业业务是指金融同业的各个组成部分--即银行、证券、保险等行业间的业务合作，其中商业银行作为金融业最重要的组成部分，是金融同业合作的核心和基础。金融业改革开放的不断深化、利率和汇率改革的日益推进、金融市场建设的日臻完善、信息网络技术的广泛应用，都为金融同业业务的发展带来了广阔的创新空间，赋予了其全新的业务内涵，成为推动金融业转型和变革的重要力量。近年来，在货币政策趋紧的挤压和催生下，金融同业合作业务空前活跃，业已显露出三方面的趋势，一是同业合作的范围不断扩大，已经推动商业银行加快由分业经营向综合经营转型，客户在一个屋檐下办理所有金融业务的理想已经部分实现。二是同业合作的领域不断深化，正在深刻地改变商业银行乃至整个金融行业的竞争格局，银行之间的关系已不再是你死我活的残酷竞争，正在演化为一个庞大的自我平衡的“金融生态系统”，各类型的银行和金融同业在其中“共同进化”，共同为客户服务，共同分享价值，同业合作产生的利润已逐步超过传统业务利润。三是同业合作的层次不断提高，特别是随着电脑和网络技术在金融行业的运用，商业银行的金融产品创新日新月异，服务创新也呈现出前所未有的态势。在这种大的环境和趋势下，吉林省银行同业合作业务也经历着激烈的发展和深刻的变化。合作客户范围已从传统的保险公司、证券公司向信托公司、基金公司、金融租赁公司、小额贷款公司、资产管理公司延伸；合作领域已从过去的同业融资和票据业务，向信托资产代理、同业人民币代付、理财资金托管、债权投资计划、资产管理等领域拓展；合作地域已不限于吉林省境内，而是伴随着业务的拓展，逐渐形成了跨区域甚至跨境经营的格局。但是由于吉林省农行长期以来忽视金融同业业务的发展，没有认识到同业业务的巨大发展前景，加之农行管理链条长、授权方式僵化、审批流程不畅、考核激励不到位等原因，严重制约了其同业业务的发展，导致其目前无论业务规模还是业务品种与省内同业相比都差距甚大。因此，只有在全面分析我国金融同业业务发展现状和趋势的基础上，深度透析省内银行同业业务开展情况，找出吉林省农行同业业务发展存在的突出问题，才能有针对地提出相应的解决对策，为省农行更好地开展同业业务提供有益的决策参考。更多还原

【Abstract】 Inter-financial-industry business refers to the business cooperation among all thesegments of financial industry, including banking industry, securities industry,insurance industry, etc. whereby the commercial banks, the most important segmentof the financial industry, are the core and basis of inter-financial-industry cooperation.The increasingly deepened reform and openness of financial industry, thegradual promotion of interest rate and exchange rate reform, the better perfection offinancial market construction, and the widened application of information internettechnology, bring extensive innovation space for the development ofinter-financial-industry businesses, give brand-new business intension for it, andbecome the essential forces to push forward the transition and evolution of thefinancial industry.In recent years, with the monetary policy being tightened, theinter-financial-industry cooperative businesses have been unprecedentedly active andexhibited three tendencies as follows.Firstly, the scope of inter-financial-industry cooperation has been increasinglyenlarged and accelerated the transition of commercial banks from segmentedoperation to mixed operation. The dream of a customer to conduct all the financialbusinesses under one roof has partially come into reality.Secondly, the domain of inter-financial-industry cooperation has been deepenedgradually, which profoundly change the competition pattern of commercial bankingand even the whole financial industry. Banking relationship has been no longer acruel life-or-death struggle, but evolving into a huge self-balanced “financialecological system”, in which various kinds of banks and inter-financial industriesco-evolve, co-serve the customers, and share value altogether. The profits arisingfrom the inter-financial-industry cooperation have been in excess of those fromtraditional businesses step by step. Thirdly, the level of inter-financial-industry cooperation has been upgraded.Especially, with the application of computers and internet technologies in financialindustry, the financial product innovation of commercial banks has changed rapidlywith each passing day, and the financial service innovation has also showed anunprecedented momentum.In this context, the inter-financial-industry businesses of Jilin provincial bankingsector have also experienced an intensive development and deep-going changes. Forinstance, the cooperative customers have extended from the traditional insurancecompanies and securities companies to trust companies, funds, finance leasecompanies, micro-credit companies and asset management companies. Thecooperative domain has expanded from the previous inter-bank finance and paperbusinesses to trust asset agent, inter-bank RMB escrow payment, finance funddepository, claims investment plan and asset management etc. The cooperative regionhas not limited only to Jilin province, but gradually formed a cross-region or even across-border operational pattern.However, the inter-financial-industry businesses of the Agricultural Bank ofChina (hereafter abbreviated as ABC) Jilin provincial branch has been seriouslyrestricted due to its long-term negligence of the said businesses and non-recognitionof the huge prosperity of the businesses, the un-streamlined management chains, therigid authorization modes, the non-smooth approval process and imperfect assessmentand incentive etc. There has been a big gap between the size and variety of thebusinesses conducted by ABC Jilin provincial branch and those by other banks inJilin province.Therefore, we should deeply discuss the development situation of theinter-financial-industry businesses in Jilin province based on the analysis of the statusand trend of those in China, and find out the outstanding problems of those in ABCJilin provincial branch, so as to put forward corresponding solutions and beneficialpolicy-decision reference for ABC Jilin provincial branch to better improve itsinter-financial-industry businesses.更多还原