银行同业业务的起源和发展分析研究 财务管理专业VIP专享VIP免费

摘要政策转向和信贷控制日趋严厉的情况下，市场主体进行了规避监管与追逐利润的自发性金融创新，同业业务由此迅猛发展起来。目前同业资产占商业银行总资产的比重接近15%。当前中国同业业务的主要类型包括存放同业、同业代付、买入返售等。同业业务发展有必然性与正面性，但其快速扩张造成了宏观政策效果弱化、放大了银行与金融体系的系统性风险、降低了金融监管体系有效性。为更好地规范与促进银行同业业务的发展，政府应尽快提高同业业务的标准化和透明度、将同业业务纳入统一授信体系并适当考虑资本金和风险拨备要求、进一步完善金融统计和会计制度、加快强化金融监管体系改革与健全宏观审慎管理框架，以及加强金融基础设施与配套体系建设。关键词：同业业务买入返售系统性风险监管AbstractDuetotheadjustmentofmacroeconomypoliciesandthecontrolofcredit,themarketinstituteshaveconductedself-improvedfinancialinnovationsbasedonavoidingregulatoryandpursuingprofits,whichleadinter-bankinstitutionalfinancingboomingdramatically.Recentlytheratiooftheassetsofinter-bankinstitutionalfinancingtothetotalassetsofthebankingsystemhascometonearly15percent.Theinter-bankinstitutionalfinancingincludesloanstobanksandotherfinancialinstitutions,inter-bankrefinancefortradeandbuyingbackthesaleoffinancialassets.Althoughtheinter-bankinstitutionalfinancinghasitsrationalityandconsistency,itmighthaveledtosystemicrisks,weakentheeffectivenessofmacropoliciesanddecreasedtheefficiencyoftheregulationsystem.TheChinesegovernmentmightimplementaregulatoryapproachtodeepenthesupervisionandregulationofinter-bankinstitutionalfinancing,acceleratethestepsoffinancialreforms,buildupamarket-basedfinancialinfrastructuresystem,andestablishasoundmacro-prudentialmanagementframework.Keywords:Inter-bankinstitutionalfinancing,Buyingbackthesaleofassets,Systemicrisks,Regulation目录引言.......................................................................................................................1一、银行同业业务发展现状................................................................................1（一）拆出资金............................................................................................2（二）存放同业存放....................................................................................3（三）买入返售............................................................................................4（四）各项投资............................................................................................5二、银行同业业务的典型运作模式....................................................................6（一）存放同业的“存款拓展”.................................................................6（二）同业代付............................................................................................7（三）票据买入返售....................................................................................8（四）信托受益权买入返售.........................................................................9三、中国银行同业业务的风险分析..................................................................11四、同业业务的监管建议..................................................................................13结论.....................................................................................................................16参考文献.............................................................................................................17引言同业业务是以金融同业客户为服务与...