摘要
随着金融业的发展,以高盛为代表的国际大投行的业务范围已从传统的承销经纪、并购等业务扩展到信贷、直接投资、衍生产品、风险管理等领域,它们通过承销、并购与融资、风险管理业务的结合,全方位满足客户需求并提高投行的综合收益。国内商业银行在开展投资银行业务时,也应借鉴国际投行的先进思路,在分业监管和风险隔离的前提下,发挥融资优势,最大限度地实现贷款业务与投行业务的交叉销售和互动发展,尝试采用双客户经理制加强营销,强化为企业客户的直接融资服务功能,促进投行部门和市场交易部门的分工与配合,并加强投行研究队伍建设,强化团队精神。
Along with the development of finance, leading international investment banks represented by Goldman Sachs begin to go beyond traditional underwriting and M＆A to credit, direct investment, derivative products and risk management. By combining underwriting, M＆A with financing and risk management, they can meet all customer＇s demand and increase their comprehensive profit. In this respect, domestic commercial banks should learn from their foreign counterparts when opening investment banking business. Under the condition of separate supervision and risk insulation, they should give a full play of their advantage in financ- ing and maximize the cross sale and interactive development between loaning and investment business, try to adopt double cus- tomer manager system to promote marketing, raise fund directly for enterprise customers, facilitate division of labor and cooperation between investment departments and market transaction departments and strengthen R ＆ D as investment banks and emphasize team work.
出处
《金融论坛》
CSSCI
北大核心
2007年第3期10-15,共6页
Finance Forum
关键词
高盛公司
投资银行
商业银行
收益结构
综合金融服务
goldman sachs
investment banks
commercial banks
profit structure
comprehensive financial service
