文档介绍：天津外国语大学滨海外事学院
经济系
商业银行专题论文
浅析我国商业银行中间业务的现状及发展策略
作者
学号
专业金融学
班级
授课教师
中文摘要
在我国金融体制改革的不断深化和社会经济发展的今天,对金融的需求推动国内各商业银行开始重视中间业务的发展。随着国内银行竞争也不断加剧,存贷利差的逐渐缩小,加之以国内商业银行各种软硬件设施的不断完善,不以利差为主要利润来源的中间业务的开展及深化就显的尤为重要。
本文从分析中间业务的基本理论入手,通过对于目前我国商业银行中间业务的现状分析,找出中间业务发展存在的问题,结合国外的成功经验加以借鉴,提出适合我国国情的商业银行中间业务的发展策略。
首先,阐明了发展中间业务对商业银行的重要意义:有利于我国商业银行降低经营风险,提高赢利能力;有利于我国商业银行满足金融客户的实际需;有利于我国商业银行与国际银行业接轨。
其次,总结了我国商业银行中间业务发展现状,主要包括:中间业务收入态势,模式、创新、监管以及垄断等方面。
再次,是对我国中间业务的收入比率加以详细分析,突出表现为:非利息收入有所提高、非利息收入在经营净收入中的占比快速上升、理财业务迅猛发展、与国外其他银行比较我国中间业务有待发展。
最后,根据我国目前中间业务存在的品种少、结构单一、利润率低;管理营销机制不完善;缺乏专业人才,服务手段落后,缺少科技含量等问题提出的应对策略。
关键词:中间业务;意义;非利息收入;经营机制;创新
ABSTRACT
In the deepening of China's financial reform and socio-economic development today, the demand for financial boost mercial banks began to attach importance to the development of intermediary business. With
competition growing domestic banks, savings and loan spreads gradually reduced, and a variety of hardware and software facilities of mercial banks continues to improve, not to spread as the main source of profits in the middle of the business development and deepening of the obvious is particularly important.
From the analysis of the basic theory to start business, through mercial banks for the middle of the present analysis, find out the problems of the business development, the essful experience of overseas countries to learn, for our mercial banks of the development of business strategies.
Firstly, Illustrates the development of intermediary business the importance mercial banks: Commercial Bank of China will help reduce business risk and improve profitability; conducive to China'mercial banks to meet the customer's actual financial need; conducive to China'mercial banks and international banking standards.
Secondly, Summed up the middle of China'mercial banks business development status, including: intermediate business e trend, pattern, innovation, regulation and monopolies and so on.
Thirdly, It is to our middle of