随着我国利率市场化的逐步推进，以及城商行、农商行的队伍不断扩大，商 业银行在市场变化以及竞争加剧的情况下，利差空间逐步缩小，已无法再单纯依 靠利差挣得盆满钵满。为提升市场竞争力，大力发展轻资本、可持续发展的中间 业务已成为商业银行当前发展转型的重中之重。面对新时期金融市场的变局，国 内商业银行需要充分借鉴国际先进银行的转型发展路径，找到适合自身业务特点 的转型之路。资产托管业务属于商业银行的中间业务，有着轻资产、轻资本、轻 成本、低风险的特点。发展资产托管业务能够给商业银行带来可观的中间业务收 入，通过托管账户的开立，能够带来大量低成本的负债，产品资金清算可带动结 算及结售汇业务发展。此外，资产托管业务需要与商业银行、信托、券商、保险、 公募基金、私募基金等所有金融机构建立联系，通过资产托管业务也可有效联动 投行、金融市场等业务。因此，资产托管业务已经成为越来越多金融机构转型发 展的重点方向。 本文以J银行江苏分行为例，运用文献研究法、案例分析法、定性与定量分 析法等方法，对资产托管行业的发展历程以及发展现状进行了深入研究。通过研 究发现，虽然经历20余年的发展产托管业务已经成为商业银行中间业务的重要 组成部分，但伴随着“大资管”爆发式的增长，也带来一些发展的后遗症，行业 存在法律法规建设不全，行业竞争日趋激烈等问题。同时，商业银行自身也存在 人才队伍薄弱，产品同质化严重，营销模式亟待更新等问题。最后，本文对商业 银行发展资产托管行业存在问题的内部和外部因素进行了理性分析，并对商业银 行未来发展提出应注重人才培养，加快队伍建设，优化业务推进机制，加大营销 力度；坚持创新理念，持续探索发展新动力，合规经营，强化风险管理的相关建 议。全文主要包括以下几个主要内容： 第一部分是绪论部分，介绍了资产托管业务研究的相关背景，阐述了本文的 研究目的和意义，同时总结了国内外学者对资产托管业务进行理论研究的情况。 第二部分介绍了资产托管业务的定义、产品发展情况以及托管业务的基本职 责，并对商业银行发展资产托管业务的重要意义进行了分析，解释了为何商业银 行因大力发展资产托管业务，同时对本文的理论研究依据进行了详细的阐述。 第三部分阐述了国内外以及江苏地区资产托管业务发展现状。介绍了国内外 资产托管业务的发展特点。 第四部分对J银行江苏分行资产托管业务的发展现状进行介绍，并就J银行 江苏分行的资产托管业务发展情况进行了深入剖析，提出了J银行江苏分行资产 托管业务发展中存在的问题及其成因。 第五部分借鉴J银行托管业务发展的经验教训，对商业银行资产托管业务的 发展提供了几条对策：一是注重人才培养，加快队伍建设，二是加大营销力度， 优化业务推进机制；三是坚持创新理念，持续探索发展新动力；四是合规经营， 强化风险管理。 第六部分是展示整个研究的结论和展望。 关键词：商业银行；资产托管；托管运营；发展建议 Abstract WiththegradualadvancementofChina'sinterestratemarketization,aswellas thecontinuousexpansionoftheranksofcitycommercialbanksandruralcommercial banks,commercialbankshavegraduallynarrowedthespreadspaceinthefaceof marketchangesandincreasedcompetition,andcannolongerrelysolelyonspreadsto earnfullFull.Inordertoenhancemarketcompetitiveness,thedevelopmentoflight capitalandsustainabledevelopmentofintermediatebusinesshasbecomethetop priorityofcommercialbanks'currentdevelopmentandtransformation.Facedwiththe changesinthefinancialmarketinthenewera,domesticcommercialbanksneedto fullylearnfromthetransformationaldevelopmentpathofinternationaladvanced banksandfindatransformationpaththatsuitstheirbusinesscharacteristics.Theasset custodybusinessbelongstotheintermediarybusinessofcommercialbanksandhas thecharacteristicsoflightassets,lightcapital,lightcostandlowrisk.The developmentofassetcustodybusinesscanbringconsiderableintermediatebusiness incometocommercialbanks.Throughtheopeningofcustodyaccounts,itcanbringa largenumberoflow-costliabilities,andproductfundclearingcandrivethe developmentofsettlementandsettlementandsales.Inaddition,theassetcustody businessneedstoestablishlinkswithcommercialbanks,trusts,brokerages,insurance, publicfunds,privateequityfundsandotherfinancialinstitutions.Assetcustody servicescanalsoeffectivelylinkinvestmentbankingandfinancialmarkets.Therefore, assetcustodybusinesshasbecomethefocusofmoreandmorefinancialinstitutions' transformationanddevelopment. ThispapertakestheresearchmethodsofJBankandJiangsuBranch,anduses literatureresearchmethod,caseanalysismethod,qualitativeandquantitativeanalysis methodstoconductin-depthresearchonthedevelopmenthistoryanddevelopment statusofassetcustodyindustry.Throughresearch,itisfoundthatalthoughthe developmentofcustodybusinessformorethan20yearshasbecomeanimportant partoftheintermediarybusinessofcommercialbanks,withtheexplosivegrowthof “bigcapitalmanagement”,italsobringssomedevelopmentalsequelae,andthe industryhaslawsandregulations.Incomplete,theindustryisbecomingincreasingly competitive.Atthesametime,commercialbanksthemselveshaveweaktalentteams, seriousproducthomogeneity,andurgentlyneedtoupdatetheirmarketingmodels. Finally,thispapermakesarationalanalysisoftheinternalandexternalfactorsof commercialbanks'developmentofassetcustodyindustry,andputsemphasison personneltraininginthefuturedevelopmentofcommercialbanks,acceleratesteam building,optimizesbusinesspromotionmechanism,andincreasesmarketingefforts; Theconceptcontinuestoexplorenewdevelopments,compliancemanagement,and recommendationsforriskmanagement.Thefulltextmainlyincludesthefollowing maincontents: Thefirstpartistheintroductionpart,introducesthebackgroundofassetcustody businessresearch,expoundsthepurposeandsignificanceofthispaper,and summarizesthetheoreticalresearchontheassetcustodybusinessbydomesticand foreignscholars.Thesecondpartintroducesthedefinitionofassetcustodybusiness, productdevelopmentandbasicresponsibilitiesofcustodybusiness,andanalyzesthe significanceofcommercialbank'sdevelopmentofassetcustodybusiness,explaining whycommercialbanksarevigorouslydevelopingassetcustodybusiness. Thethirdpartdescribesthedevelopmentstatusofassetcustodybusinessathome andabroadandinJiangsu.Thispaperintroducesthedevelopmentcharacteristicsof assetcustodybusinessathomeandabroad,aswellasthedevelopmentstatusand developmentcharacteristicsofassetcustodybusinessofcommercialbanksinJiangsu. Thefourthpartintroducesthedevelopmentstatusoftheassetcustodybusiness ofJBankJiangsuBranch,anddeeplyanalyzesthedevelopmentoftheassetcustody businessofJBankJiangsuBranch,andputsforwardtheproblemsinthedevelopment oftheassetcustodybusinessofJBankJiangsuBranchandCauses. Thefifthpartprovidesseveralcountermeasuresforthedevelopmentof commercialbankassetcustodybusiness:first,payingattentiontopersonneltraining andspeedingupteambuilding;second,increasingmarketingeffortsandoptimizing businesspromotionmechanism;third,persistingininnovativeideasandcontinuously exploringnewdevelopmentmomentumThefourthiscompliancemanagementand strengthenriskmanagement. Thesixthpartistoshowtheconclusionsandoutlookofthewholestudy. Keywords:commercialbank;assetcustody;custodyoperation;development proposal 目录 第一章绪论..............................................................................................................1 1.1研究背景..........................................................................................................1 1.2研究意义..........................................................................................................2 1.3国内外相关研究综述....................................................................................3 1.4研究的主要内容与框架..................................................................................5 1.5研究思路与方法..............................................................................................7 1.6研究的贡献与创新............................................................................................8 第二章资产托管业务概述........................................................................................9 2.1资产托管业务简介..........................................................................................9 2.2资产托管业务的产品种类............................................................................11 2.3商业银行发展资产托管业务的意义............................................................13 第三章国内外资产托管业务发展现状..................................................................15 3.1国外资产托管业务发展现状.............................................