我国商业银行中间业务发展策略研究

发布时间：2017-12-31 06:01

本文关键词：我国商业银行中间业务发展策略研究　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，虽然我国商业银行逐步脱离了“大一统”时期的银行体制，但传统的经营理念根深蒂固，资产业务与负债业务仍然被作为最重要的业务而备受重视。进入二十一世纪后，特别是经历了金融业的全面对外开放，我国商业银行面临着许多挑战。一方面，国外优秀的商业银行不断进入，使我国商业银行的客户群体明显减少。另一方面，经济发展方式的转变、利率市场化脚步的加快以及金融监管机构监管力度的增强都对国内商业银行的传统存贷业务造成了巨大的冲击。在这种情况下，作为平衡盈利与成本的最佳选择，中间业务得到了我国银行界的青睐。早在20世纪50年代，国外商业银行已经开始了中间业务的发展，而其在国内的发展则是从1986年银行体制改革开始的。尽管近些年来，中间业务发展态势良好，业务收入节节攀升，但仍然存在许多地方需要改进。因此，通过对我国商业银行中间业务各方面的分析、研究，得到有建设性的发展方式方法具有非常重要的意义。本文的主体是关于我国商业银行中间业务发展策略的研究，共分为五章：第一章：绪论。首先介绍了论文研究的背景和选题意义；然后是文献综述，对国内、外的有关中间业务的文献理论进行了梳理；最后是对研究的思路、方法及文章创新点进行了概述。第二章：商业银行中间业务概述。首先对中间业务的不同概念进行了详尽说明；然后，根据巴塞尔银行监管委员会、中国人民银行、期权及风险性对中间业务进行划分；最后对中间业务特点以及涉及到的风险进行了系统的介绍，为后文有关的定性和定量分析做好了准备。第三章：我国商业银行中间业务现状与问题分析。本章对国内银行界的中间业务发展进行了定性分析。通过图、表、对比分析等方式，对中间业务在国内的发展历史、必要性和现状进行了详尽的描述，同时也指出了发展过程中存在的一系列问题。为后文的实证分析做了基础的铺垫。第四章：我国商业银行中间业务影响因素实证分析。本文选取2006年至2012年间，国内商业银行的中间业务收入以及相关因素的数据，建立了固定效应面板模型，分别以全国商业银行、国有商业银行、股份制商业银行为样本进行了实证分析，并进行了对比研究。从定量的角度，深入分析我国中间业务的发展和存在的问题。第五章：我国商业银行中间业务的发展策略建议。根据第三章的定性分析和第四章的实证分析结果，本章节提出了一些促进我国商业银行中间业务发展的策略建议，，具有建设性的意义。
[Abstract]:Since the reform and opening up, although China's commercial banks have gradually separated from the banking system during the period of "unification", the traditional management concept is deeply rooted. Asset business and liability business are still regarded as the most important business. After 21th century, especially after the financial industry opened to the outside world, Chinese commercial banks are facing many challenges on the one hand. Foreign excellent commercial banks continue to enter, which makes the customer group of our commercial banks reduce obviously. On the other hand, the change of the mode of economic development. The acceleration of interest rate marketization and the strengthening of the supervision of financial supervision institutions have caused a huge impact on the traditional deposit and loan business of domestic commercial banks. As the best choice to balance profit and cost, intermediate business has been favored by the banking industry in China. As early as 1950s, foreign commercial banks have begun to develop intermediate business. Although in recent years, the intermediate business development situation is good, business income is rising, but there are still many places to improve. Through the analysis of all aspects of intermediate business of commercial banks in China, it is of great significance to obtain constructive ways and methods of development. The main body of this paper is about the development strategy of intermediate business of commercial banks in China, which is divided into five chapters: Chapter one: introduction. Firstly, it introduces the background and significance of the thesis. Then there is a literature review, the domestic and foreign literature on intermediary business theory is combed; Finally, the research ideas, methods and innovative points of the article are summarized. Chapter II: commercial bank intermediary business overview. First, the different concepts of intermediary business are explained in detail; Then, according to the Basel Committee on Banking Supervision, the people's Bank of China, options and risk to divide the intermediary business; Finally, the characteristics of intermediate business and the risks involved are systematically introduced, which is prepared for the qualitative and quantitative analysis. Chapter three: the present situation and problem analysis of intermediate business of commercial banks in our country. This chapter has carried on the qualitative analysis to the development of the intermediate business of the domestic banking circles, through the chart, the table, the contrast analysis and so on. The development history, necessity and present situation of intermediate business in China are described in detail, and a series of problems in the process of development are pointed out. Chapter 4th: empirical analysis of the influencing factors of commercial banks' intermediary business in China. This paper selects the data of domestic commercial banks' intermediate business income and related factors from 2006 to 2012. The fixed effect panel model is established, taking national commercial banks, state-owned commercial banks and joint-stock commercial banks as samples to conduct empirical analysis and comparative study. Deeply analyze the development and existing problems of intermediate business in our country. Chapter 5th: the development strategy of commercial banks in China. According to the qualitative analysis in Chapter 3 and the empirical results in Chapter 4th. This chapter puts forward some strategic suggestions to promote the development of intermediate business of commercial banks in China, which is of constructive significance.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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