本文選題：國(guó)有商業(yè)銀行 + 金融業(yè)務(wù)創(chuàng)新��； 參考：《東北師范大學(xué)》2013年碩士論文

【摘要】：金融業(yè)務(wù)創(chuàng)新通常是商業(yè)銀行創(chuàng)新的最主要推動(dòng)力，是金融創(chuàng)新的核心。國(guó)有商業(yè)銀行是我國(guó)銀行體系的主體，對(duì)我國(guó)經(jīng)濟(jì)金融的發(fā)展起著舉足輕重的作用。本篇論文選取了我國(guó)國(guó)有商業(yè)銀行的金融業(yè)務(wù)創(chuàng)新層面作為研究的重點(diǎn)。我國(guó)國(guó)有商業(yè)銀行的業(yè)務(wù)創(chuàng)新起步較晚，還要應(yīng)對(duì)加入WTO后金融業(yè)全面對(duì)外開(kāi)放帶來(lái)的巨大的沖擊。要想在激烈的國(guó)際競(jìng)爭(zhēng)中占據(jù)有利地位，，我國(guó)國(guó)有商業(yè)銀行必須加快金融業(yè)務(wù)創(chuàng)新的步伐，努力創(chuàng)造出顧客需要的儲(chǔ)蓄、理財(cái)、投資等業(yè)務(wù)的新品種，提升國(guó)際競(jìng)爭(zhēng)力。因此，研究我國(guó)國(guó)有商業(yè)銀行的金融業(yè)務(wù)創(chuàng)新對(duì)當(dāng)前我國(guó)銀行業(yè)具有重要的理論和現(xiàn)實(shí)意義。 本文采用實(shí)例分析與論證結(jié)合的研究方法，在調(diào)研國(guó)內(nèi)外相關(guān)金融創(chuàng)新理論和銀行創(chuàng)新業(yè)務(wù)的基礎(chǔ)上，著重分析了我國(guó)國(guó)有商業(yè)銀行的資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)和中間業(yè)務(wù)的創(chuàng)新?tīng)顩r，深入探討了我國(guó)國(guó)有商業(yè)銀行金融業(yè)務(wù)創(chuàng)新存在的問(wèn)題和制約因素，并提出了關(guān)于我國(guó)國(guó)有商業(yè)銀行業(yè)務(wù)創(chuàng)新發(fā)展的一些具體措施和建議。本文的研究思路如下： 第一部分為引言。包括背景、文獻(xiàn)綜述、框架以及創(chuàng)新和不足。 第二部分為金融業(yè)務(wù)創(chuàng)新理論基礎(chǔ)。闡明了金融創(chuàng)新和金融業(yè)務(wù)創(chuàng)新的涵義，重點(diǎn)介紹了與金融創(chuàng)新相關(guān)的理論。 第三部分主要闡述我國(guó)國(guó)有商業(yè)銀行金融業(yè)務(wù)創(chuàng)新的現(xiàn)狀，具體分為資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)和中間業(yè)務(wù)的現(xiàn)狀。 第四部分研究了我國(guó)國(guó)有商業(yè)銀行金融業(yè)務(wù)創(chuàng)新出現(xiàn)的問(wèn)題，分析了影響金融業(yè)務(wù)創(chuàng)新的因素。我國(guó)國(guó)有商業(yè)銀行金融業(yè)務(wù)創(chuàng)新目前存在著中間業(yè)務(wù)比重低、風(fēng)險(xiǎn)水平較高和業(yè)務(wù)創(chuàng)新水平低的問(wèn)題，主要受產(chǎn)權(quán)模式、經(jīng)營(yíng)模式、科技水平和金融管制等因素制約。 第五部分為加快我國(guó)國(guó)有商業(yè)銀行金融創(chuàng)新業(yè)務(wù)的策略。通過(guò)拓展金融業(yè)務(wù)空間、加強(qiáng)金融風(fēng)險(xiǎn)控制、深化業(yè)務(wù)創(chuàng)新水平、改革產(chǎn)權(quán)模式、創(chuàng)新經(jīng)營(yíng)管理模式、大力提高科技水平以及加強(qiáng)人才培養(yǎng)七方面的舉措，促進(jìn)我國(guó)國(guó)有商業(yè)銀行金融業(yè)務(wù)創(chuàng)新。
[Abstract]:Financial business innovation is usually the main driving force of commercial bank innovation and the core of financial innovation. State-owned commercial banks are the main body of China's banking system and play an important role in the development of China's economy and finance. This paper selects the innovation level of the financial business of our state-owned commercial banks as the focus of the research. The business innovation of state-owned commercial banks in our country starts late, and must deal with the huge impact of the financial industry opening to the outside world after China's entry into WTO. In order to occupy a favorable position in the fierce international competition, China's state-owned commercial banks must speed up the pace of financial business innovation, strive to create new types of savings, financial management, investment and other business needed by customers, and enhance the international competitiveness. Therefore, it is of great theoretical and practical significance to study the innovation of financial business of state-owned commercial banks in China. On the basis of investigating the relevant financial innovation theory and bank innovation business at home and abroad, this paper analyzes the assets business of state-owned commercial banks in China. This paper probes into the problems and restrictive factors existing in the innovation of the financial business of the state-owned commercial banks in China, and puts forward some concrete measures and suggestions on the innovation and development of the business of the state-owned commercial banks in China. The research ideas of this paper are as follows: The first part is the introduction. Includes background, literature review, framework, and innovation and deficiencies. The second part is the theoretical basis of financial business innovation. This paper expounds the meaning of financial innovation and financial business innovation, and emphatically introduces the theories related to financial innovation. The third part mainly elaborates the present situation of the financial business innovation of the state-owned commercial banks in China, including the assets business, the liability business and the intermediate business. The fourth part studies the problems of the financial business innovation of the state-owned commercial banks in China, and analyzes the factors that affect the financial business innovation. At present, the problems of low proportion of intermediate business, high risk level and low level of business innovation exist in the financial business innovation of state-owned commercial banks in China, which are mainly restricted by the property right mode, management mode, scientific and technological level and financial regulation and so on. The fifth part is the strategy of speeding up the financial innovation business of our state-owned commercial banks. By expanding the financial business space, strengthening financial risk control, deepening the level of business innovation, reforming the mode of property rights, innovating the mode of management and management, improving the level of science and technology and strengthening the training of talents, Promote the innovation of financial business of state-owned commercial banks in China.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 連建輝;;我國(guó)商業(yè)銀行的產(chǎn)權(quán)制度創(chuàng)新[J];中國(guó)金融;2007年01期

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