Research On Bond Investment Management Of City Commercial Banks

The official introduction of the new regulations on capital management in 2018 has had a significant impact on the stock market and the bond market.In the era of new regulations,how can commercial banks find investment strategies and product varieties that are in line with their own risk control standards and process control,and become the main target of reform and transformation of various banks.In this context,the standardized products that have been redefined by the new regulations have begun to be favored by more financial institutions.For most urban commercial banks that do not have independent underwriting bonds,the future direction of transformation,It must be at the investment end of standard assets,and bond product investment will be the top priority.This paper chooses CD city commercial bank as a research case,analyzes the current situation of CD city commercial bank bond investment management,finds the problems in CD city commercial bank bond investment management,and then gives corresponding countermeasures and suggestions to help CD city commercial bank to better develop bond investment business,also for other Similar to the management of the city commercial bank bond investment business provides reference.Specifically,the full text is divided into six parts: The first chapter is the introduction,which includes the research background,research innovation,research ideas and research methods,and the research framework of the article;the second chapter is the market overview of commercial banks.Including the macro background of the commercial banking market,the background and characteristics of the bond market,the general situation of the city commercial bank market and the development of the bond investment management of the city commercial bank;the third chapter is the case introduction,analyzing the bond investment management of the CD city commercial bank,detailing the CD The current status of bond investment management in urban commercial banks,including institutional and personnel structure,system setup,investment preferences,investment methods,approval processes and major risk control measures;Chapter 4 is case analysis and extension,analysis of CD city commercial bank bond investment management The problems are explained in five aspects: strategic planning,business structure,assessment and incentive level,business development and risk management.The fifth chapter is the part of the proposal and the meaning of the future,and proposes the future investment management of China's urban commercial banks.Suggestions,as well as for future urban commerce The significance of the development bank;The sixth chapter is the conclusion,review conclusions of the article.The main conclusions of this paper are as follows: Firstly,the development of bond investment business of CD city commercial bank includes the lack of corresponding strategic planning at the board level.The current organizational structure obviously cannot adapt to the sustainable development of modern commercial banks,and it is urgent to establish scientific and reasonable assessment incentives.The system,as well as a single product category,limited innovation business development.Secondly,CD city commercial bank can solve the above problems from the following perspectives: Introduce strategic investors,clarify the strategic positioning of the whole bank's bond business;improve the organization structure of the whole bank,and learn from the successful experience of CMBC,and carry out bonds from the two dimensions of industry and customers.Reform of business division system to improve business development efficiency;establish a sustainable incentive system,reform according to the above-mentioned business division system;step by step from team brand,product brand and business reputation to establish CD city commercial bank bond investment brand Strengthen risk management and promote its development.