The Investment Banking Development Research Of Our Countries’ Commercial Bank

In recent years, since the full liberalization of our country banking industry, thesituation of competition for traditional banking business was formed by state-ownedbanks, small banks, city commercial banks, rural credit cooperatives, postal savingsbank of China. And foreign banks engaged to share markets of high-end banking withdomestic banks. On the one hand, there is increasing competition in banking industry.In the capital market, the number of IPO is increasing; many enterprises can raisemoney through the second-board market and medium-sized plate. Compared with thepast, high-quality enterprises can raise capital more easily through direct financingsuch as the issuance of corporate bonds, project financing, accepting private equityfund, asset securitization and etc. Bank deposit and loan business income was relativereduction. On the other hand, financial activities is increasingly prosperous, thenational economy is in the critical period to upgrade and junctures. The enterprisesneed support for recombination and the public for the big project financing and so on.Therefore, the development of investment banking business has importantsignificance.This paper adopts historical analysis, qualitative analysis, combining the methodof empirical analysis and normative analysis. This paper make research in investmentbanking from four perspectives: The origin of the investment banking and foreigndevelopment experience, present situation of commercial Banks investment bankbusiness, the pattern of competition in the present situation of investment banking,the proposal of different levels of commercial bank development to developinvestment banking and risk control. And according to the current status ofadvantages and disadvantages, it proposed improvement measures about China’scommercial banks to develop investment banking business. At the same time, as thedemand of investment bank business is based on the demand of economicdevelopment stage, so more attention should be paid to the risk management when itdevelops investment bank business, in addition to occupy the market share, in order toprevent investment banking risk which may brings huge losses. In view of the maininvestment banking business types, the paper puts forward the corresponding riskmanagement measures.