文档介绍：硕士论文商业银行与信托公司理财业务合作模式研究摘要近年来我国经济高速发展,居民的可支配收入水平不断提高,传统的资本投资渠道已远远无法满足人们日益增长的理财需求,其对专业化的财产管理渴求日益旺盛。随着我国利率市场化步伐的加快,商业银行理财业务作为银行经营转型的重点, 已成为其新的利润增长点和业务发展的核心竞争力。但不可否认的是,目前我国的银行业理财业务发展仍处于初级阶段,与国外成熟的金融行业市场是无法比拟的。金融制度、法规的不完善、投资心态的不成熟、市场操作的不规范、市场结构的不合理等问题大大制约了我国理财业务领域的发展。本文着重从商业银行角度出发,在结合金融相关理论的基础上,较全面地分析了我国银信理财业务合作模式的沿革和现状,提出了推动商业银行和信托业务合作创新和转型发展的若干建议,对中国银信理财合作的发展进行了有益的探索。本文主要分为五个部分:第一部分介绍了银信合作的相关理论;第二部分对银信合作的动因、意义以及国外银信混业的特点进行了分析,得出了对我国银信合作发展的有益启示;第三、四部分分别以定性与案例分析的形式探讨了我国银信合作模式的发展轨迹与现状;第五部分提出了中国银信合作中的问题以及总体创新思路。关键词:商业银行银信合作模式分析发展思路 Abstract 硕士论文 Abstract With therapid development ofdomestic economy in recent years and theincreasing personal e level and strong desire fortheprofessional property management,the traditional capital investment channels Can no longer meettheincreasing financialdemand. Atthesame time,OUr financialproducts mercial Banks are elerating development,which isgradually ing thekey servicesbring thenew profitgrowth forthe banks andimprove their itis undeniable pared诵t11 theforeign countries,there’S still anoticeable gap exists atpresent. Because thatthefinancialsystem andregulations are notperfect,investment mentality is not mature,market operation is not standard,market structure isunreasonable,the development ofOUrcountry financialproducts articleemphatically from theAngle mercial Banks,based on bination谢nl financial related theories,analyzed thedevelopment off'mancial businesscooperation,and proposed the paper isdivided intofiveparts:the firstpart introduces the related theory ofsuch cooperation;The second part carried on thereasons ofthecooperation and thesignificance,beneficial revelation oftheforeigncountries;The tllirdand fourthpart described OUrcountry cooperation mode and current situation respectively byqualitative and case analysis;The fifthpartput forwardtheproblems inthecooperation and overall innovation ideas. Key word: Commercial Bank ModeAnalysis Cooperation between Tru