文档介绍：湘潭大学
硕士学位论文
湖南省农业银行中间业务发展与创新
姓名:谭赤峰
申请学位级别:硕士
专业:工商管理
指导教师:陈赤平
20081128
摘要
在我国银行业即将全面开放,利率市场化加速推进,同业竞争不断加剧,金融脱媒
日趋明显,传统业务空间日益狭小,高风险、高资本占用的外延粗放型增长模式难以为
继,银行经营模式面临转型的背景下,发展低风险、低成本、高收益的中间业务成为商
业银行降低经营风险、改变盈利结构、促进增长转型的战略性支柱业务。
在当前中央银行监管不断加强、商业银行自律机制不断完善,我国已成为 WTO 成
员国的时代背景下,商业银行依赖传统的存货业务发展路径越来越狭窄。走与世界经济
金融全球化相吻合的道路,把中间业务作为新的效益增长点也成为湖南农业银行业务创
新与发展的必然选择。商业银行中间业务范围十分广泛,内容极其丰富,是当代商业银
行创新的主要方面。因此,研究和探索湖南农业银行中间业务的创新与发展,具有重要
的理论意义和现实指导意义。
本文重点介绍了国内外重要的金融创新理论、商业银行中间业务的内涵及特征、发
展创新的现实背景和演进趋势,揭示了中间业务对商业银行经营的影响。通过对国内外
商业银行中间业务、湖南农业银行与省内其它三大商业银行中间业务、中部六省农业银
行中间业务发展的横向比较,得出了发展中间业务的启示。并针对湖南省农行中间业务
发展状、存在问题及成因,利用市场营销、商业银行经营管理等相关理论,从市场开发
及内部管理两个方面提出了湖南省农行发展中间业务和创新的相关策略。

关键词:商业银行;中间业务;发展和创新
I
Abstract
In China's banking industry is about to open, market-oriented interest rate to accelerate,
petition, financial disintermediation increasingly clear that the traditional
business space for the growing small high-risk, high capital occupied by the extension of the
extensive growth mode difficult, Banking business model Against the backdrop of a transition,
the development of low-risk, low-cost, high-yield business in the middle of mercial
bank to reduce operational risks, changes in the structure of earnings, to promote the growth
of the strategic pillars of the business transition.
The current Central Bank continued to strengthen supervision mercial banks
continue to improve the self-regulatory mechanism, China has e a WTO member in the
context of the times, mercial banks rely on traditional business development inventory
increasingly narrow path. Go with the world economic and financial globalization coincide
road, intermediate business as a new growth point for the benefits has e Hunan
Agricultural Bank of business innovation and development of the inevitable choice.
Commercial banks among a wide range of business, which is extremely rich, contemporary
commercial banks is the main aspects of innovation. Therefore, the