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单击此处编辑母版标题样式,编辑母版文本样式,第二级,第三级,第四级,第五级,2016/4/7,#,Comparison of,Commercial Bank And,I,nvestment,B,ank,陈洁,CONTENT,1,Definitions,2,Similarities,3,Differences,4,Development,tendency,1,Definitions,What is,commercial banks?,Commercial,banks,the English abbreviation for the,CB,is a,storage Bank,.,Commercial,Bank is a,for-profit,raise funds in a variety,of,financial liabilities,various,financial assets,for the business object,and has the credit creating function of financial institutions.,In 1694,with the help of the government,the British established the first,capitalism,joint-stock,commercial,bank,in the history,-the Bank of England.,Five large state-owned commercial banks,Industrial and Commercial Bank of,China,，简称,ICBC,中国工商银行,Agricultural Bank of China,，简称,ABC,中国农业银,行,Bank of China Limited,，简称,BOC,中国银行,China Construction,Bank,中国建设银行,BANK OF COMMUNICATIONS Co.,Ltd,.,简称,：,BOCOM,交通银行,From the development of commercial banks,One is the,British,model,commercial banks mainly short-term commercial financing facility,with short term lending,liquidity is,high,.Such business model for banks relatively safe and reliable.,The other is,German,its business is a comprehensive formula.Commercial banks not only short-term commercial intermediation of funds,but also long-term fixed capital facility that engaged in investment banking business,.,What is investment banks?,Investment Banking refers,to main,business for,the capital markets,business,of,financial institutions,.For now,Capital Markets(investment banking)include securities underwriting,securities trading,mergers and acquisitions,financial management,project financing,venture capital,credit asset securitization.,Independent professional investment,bank,Commercial banks owned by investment banks,All-direct bank investment banking business,Some large multinational corporations set up finance companies.,Investment Bank has four main types of organization forms:,2,Similarities,of,investment banks and commercial banks,On the one hand it enables the providers of capital to take advantage of,excess funds,to obtain benefits,On the other hand it also helps those who need funds to get the,necessary funds,to develop.In this sense,the two functions are the same.,3,Differences,between commercial and investment banks,01,Seen,from,the origin:,Investment bank originated in Britain,was originally businessmen,overseas trade intermediation activities,been established for money,Commercial banks,with the social division of labor and commodity production and development needs arising from the exchange,it is mainly,money market financial intermediaries,the providers and users of capital are joined together by currency money market.,02,Seen from basic business,The underlying business of the investment banks is,underwriting securities,.,证券承销,The underlying business of the commercial bank is,deposits and loans,.,存贷款,03,Seen from the field of operational activities:,Investment Bank mainly operates in,the capital markets,资本市场,Commercial banks in,the money market business,.,货币市场,04,Seen from the source of profits,Investment banks are charging,commissions from clients,佣金,Commercial banks rely on the,difference between lending and deposit rates,.,存贷款之间的利率差,05,Seen from the financing method,Investment banks are,direct,financing,and focus on,long-term,financing,直接融资,Commercial banks are,indirect,financing,and focus on,short-term,financing.,间接融资,06,Seen from the idea of management,Business philosophy of the Investment Bank is under the premise of,risk control,contains robust and pioneering,控制风险,Commercial banks in pursuit of,security,profitability and liquidity of the combined,must adhere to the principle of conservatism.,安全性,07,Seen from the regulators,Investment banking regulators are mainly,the Securities Commission,.,证券监督委员会,Commercial banks are supervised and managed by,the central bank,.,中央银行,08,Seen from the,risk characteristics,Investment banking:Under normal circumstances,investors face greater risk,investment banks with less risk.,(Investment banks and financial intermediaries are direct financing,serves only as an intermediary role,the risk to investors is not responsible.),投资人面临的风险较大，投资银行风险较小,Commercial banks:Under normal circumstances,depositors face a lower risks,the commercial banks has larger risks,.(Since the firm absorbs resident deposits,it has a larger externality,and therefore bears responsibility to protect depositors and meet liquidity needs,the need to pay the deposit reserve;And other banks external effects.It may cause the bankruptcy of a bank and make near banks in trouble),存款人面临的风险较小，商业银行风险较大,TOO YOUNG TOO SIMPLE,4,Development tendency,Faced with this situation,the business scope of commercial banks and investment banks increasingly,blurred,and they began to grab each other business.,TROUBLE,cross relation,There is a big cross ties,the business of commercial banks and investment banks basically can be,fully or partially opened,.,To achieve diversification,infrastructure and inf
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