Research On Commercial Bank Debt Service

This paper studies the business of Chinese commercial bank debt situation, analysis of the commercial banks need for business development bonds and bonds of business development for the commercial banks expanded profit margins, rich source of income for commercial banking business;commercial bank financing through the bond market improved own governance structure; commercial banks to develop bond business help increase the liquidity of assets, improve asset-liability management of banks.Chinese Commercial Banks shorter bond business, and there is a large gap between developed countries, both in the commercial bank's own building or in the bond market, there are many limited the commercial banking business development bonds is exploring commercial bank debt for business development problems in this purpose, the paper business development of commercial bank debt, carding a variety of factors, first of China's macro-economy money supply, consumer price index interest rate policy, monetary policy and other external factors and internal deposits and loans than commercial banks, asset allocation, profitability requirements on commercial banks such as the impact of debt service.And on this basis, propose to solve this problem commercial banks bonds business ideas, first of all is to increase the capacity of commercial banks themselves, because the internal is the fundamental driving force for the development of things, they ensure that commercial banks, improve the corporate governance structure, accelerate the commercial bank institutional reform and strengthening professional training efforts and other work, can we lay the foundation for business development bonds, the paper from the operational point of view paper analyzed bond investment strategy and risk prevention to solve the problem of key business risks identified by studying the bond, assessment and treatment of related methods, and use duration, convexity Xing risk bonds and other instruments were used to evaluate different circumstances vary from the investment strategy portfolio, according to itself development alternative is more appropriate investment model.Finally, also from the external environment to solve business problems commercial bank bonds to provide the idea, through the expansion of market size, increasing investment products, improve the bond market's price discovery mechanism to strengthen the bond market laws and regulations, improving the market supervision system, and improve the commercial banks the external environment to carry out bond business.Through commercial banks outside their own development and improvement of the environment, commercial banks, debt service problems in the development process to resolve.