本文關(guān)鍵詞：我國商業(yè)銀行中間業(yè)務(wù)創(chuàng)新研究　出處：《東北師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 中間業(yè)務(wù) 金融創(chuàng)新

【摘要】：商業(yè)銀行中間業(yè)務(wù)是不同于商業(yè)銀行傳統(tǒng)資產(chǎn)負(fù)債業(yè)務(wù)。它不構(gòu)成商業(yè)銀行表內(nèi)資產(chǎn),而是形成商業(yè)銀行非利息收入的表外業(yè)務(wù)。 隨著金融全球化,中國加入WTO后,中國金融業(yè)面臨各種挑戰(zhàn),國內(nèi)商業(yè)銀行將在國際金融市場面臨更為嚴(yán)峻的挑戰(zhàn)。我國經(jīng)濟(jì)自21世紀(jì)以來突飛猛進(jìn),但是這種突飛猛進(jìn)的趨勢下,我國的利率市場化改革也同時(shí)逐漸加深,商業(yè)銀行將不能從存款與貸款之間的利差獲得巨大收入,所以我國商業(yè)銀行應(yīng)該從新著手研究新的利潤增長點(diǎn),這個(gè)利潤增長點(diǎn)就應(yīng)該是商業(yè)銀行中間業(yè)務(wù)。我國商業(yè)銀行有傳統(tǒng)客戶優(yōu)勢,在存貸款方面優(yōu)勢巨大,在這個(gè)基礎(chǔ)上,我國商業(yè)銀行應(yīng)加大對中間業(yè)務(wù)的發(fā)展創(chuàng)新力度,爭取在中間業(yè)務(wù)方面也取的優(yōu)勢。從西方各大商業(yè)銀行收入占比發(fā)現(xiàn),西方商業(yè)銀行中間業(yè)務(wù)占得“頭位”,基本上在50%左右,更有甚者達(dá)到了60%、70%左右。說明了西方商業(yè)銀行中間業(yè)務(wù)已經(jīng)趨于成熟化。而我國商業(yè)銀行中間業(yè)務(wù)存在幾點(diǎn)問題,品種單一、技術(shù)含量低、觀念落后、收費(fèi)不合理等。我國商業(yè)銀行要想跟西方商業(yè)銀行競爭必須加快中間業(yè)務(wù)發(fā)展創(chuàng)新步伐。 本文以商業(yè)銀行中間業(yè)務(wù)創(chuàng)新為研究對象。作者通過對西方商業(yè)銀行中間業(yè)務(wù)的近幾十年的發(fā)展研究分析,發(fā)現(xiàn)各種理論對各個(gè)時(shí)期商業(yè)銀行中間業(yè)務(wù)創(chuàng)新起到了或大或小的作用。所以首先闡述了西方的金融創(chuàng)新理論,緊接著對于國內(nèi)的商業(yè)銀行中間業(yè)務(wù)的研究狀況也做了個(gè)概述。第二,作者通過對國內(nèi)商業(yè)銀行的中間業(yè)務(wù)發(fā)展?fàn)顩r進(jìn)行調(diào)查,同時(shí)提出了我國商業(yè)銀行在發(fā)展中間業(yè)務(wù)方面存在的問題。第三,通過獲取到的資料對西方商業(yè)銀行中間業(yè)務(wù)進(jìn)行了研究,進(jìn)而與國內(nèi)商業(yè)銀行中間業(yè)務(wù)發(fā)展情況進(jìn)行對比,從中找出存在差距的因素。第四,作者提出了中國的商業(yè)銀行中間業(yè)務(wù)創(chuàng)新的內(nèi)部和外部因素的制約。最后,作者總結(jié)并提出了中間業(yè)務(wù)創(chuàng)新的有效途徑。
[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.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F832.2

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