我国商业银行中间业务创新研究

发布时间：2017-12-31 06:05

本文关键词：我国商业银行中间业务创新研究　出处：《东北师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：商业银行中间业务是不同于商业银行传统资产负债业务。它不构成商业银行表内资产,而是形成商业银行非利息收入的表外业务。随着金融全球化,中国加入WTO后,中国金融业面临各种挑战,国内商业银行将在国际金融市场面临更为严峻的挑战。我国经济自21世纪以来突飞猛进,但是这种突飞猛进的趋势下,我国的利率市场化改革也同时逐渐加深,商业银行将不能从存款与贷款之间的利差获得巨大收入,所以我国商业银行应该从新着手研究新的利润增长点,这个利润增长点就应该是商业银行中间业务。我国商业银行有传统客户优势,在存贷款方面优势巨大,在这个基础上,我国商业银行应加大对中间业务的发展创新力度,争取在中间业务方面也取的优势。从西方各大商业银行收入占比发现,西方商业银行中间业务占得“头位”,基本上在50%左右,更有甚者达到了60%、70%左右。说明了西方商业银行中间业务已经趋于成熟化。而我国商业银行中间业务存在几点问题,品种单一、技术含量低、观念落后、收费不合理等。我国商业银行要想跟西方商业银行竞争必须加快中间业务发展创新步伐。本文以商业银行中间业务创新为研究对象。作者通过对西方商业银行中间业务的近几十年的发展研究分析,发现各种理论对各个时期商业银行中间业务创新起到了或大或小的作用。所以首先阐述了西方的金融创新理论,紧接着对于国内的商业银行中间业务的研究状况也做了个概述。第二,作者通过对国内商业银行的中间业务发展状况进行调查,同时提出了我国商业银行在发展中间业务方面存在的问题。第三,通过获取到的资料对西方商业银行中间业务进行了研究,进而与国内商业银行中间业务发展情况进行对比,从中找出存在差距的因素。第四,作者提出了中国的商业银行中间业务创新的内部和外部因素的制约。最后,作者总结并提出了中间业务创新的有效途径。
[Abstract]:The intermediate business of commercial bank is different from the traditional asset-liability business of commercial bank. It does not constitute the assets in the balance sheet of commercial bank, but forms the off-balance sheet business of non-interest income of commercial bank. With the financial globalization and China's entry into WTO, China's financial industry is facing a variety of challenges, and domestic commercial banks will face more severe challenges in the international financial market. China's economy has been advancing by leaps and bounds since 21th century. However, with the rapid development of this trend, the interest rate marketization reform in China is also gradually deepening, commercial banks will not be able to obtain huge income from the interest rate difference between deposits and loans. Therefore, China's commercial banks should start from a new study of the new profit growth point, this profit growth point should be commercial banks intermediate business. China's commercial banks have traditional customer advantages, in the deposit and loan advantages are huge. On this basis, our commercial banks should strengthen the development and innovation of intermediary business, and strive for the advantages in the intermediate business. Western commercial banks occupy the "first place" in the intermediate business, basically in about 50%, and even reached 60%. It shows that the intermediary business of western commercial banks has become mature. However, there are several problems in the intermediate business of commercial banks in our country, such as single variety, low technical content and backward concept. If our commercial banks want to compete with western commercial banks, we must speed up the development and innovation of intermediate business. This paper focuses on the innovation of intermediary business in commercial banks. The author analyzes the development of intermediary business in western commercial banks in the past several ten years. It is found that all kinds of theories have played a big or small role in the innovation of commercial banks' intermediate business in various periods. Then the domestic commercial bank intermediary business research situation is also made an overview. Second, the author through the domestic commercial banks of the intermediate business development survey. At the same time put forward the commercial banks in China in the development of intermediate business problems. Third, through the obtained information on the Western commercial banks intermediary business research. And then compared with the domestic commercial bank intermediary business development, from which to find out the factors that exist gap. 4th, the author proposed the internal and external factors of Chinese commercial bank intermediate business innovation constraints. Finally. The author summarizes and puts forward the effective way of intermediate business innovation.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.2

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