發(fā)布時間：2018-04-30 04:09

  本文選題：商業(yè)銀行 + 中間業(yè)務�。� 參考：《吉林財經(jīng)大學》2015年碩士論文

【摘要】：隨著國際經(jīng)濟一體化進程的深入,外資銀行紛紛進入,憑接著雄厚的資本、完善的服務、先進的軟硬件水平,對我國商業(yè)銀行形成了巨大的沖擊。而我國正處經(jīng)濟的轉(zhuǎn)型期,實體經(jīng)濟需要更加綜合化、系統(tǒng)化、多元化、個性化的金融服務,利率市場化使傳統(tǒng)的存貸款業(yè)務利差更加縮小,對習慣依靠利息收入的我國商業(yè)銀行形成了巨大的挑戰(zhàn)。在此多種內(nèi)外因的作用下,發(fā)展中間業(yè)務、增加非利息收入成為我國商業(yè)銀行未來的發(fā)展趨勢。隨著各大銀行紛紛將中間業(yè)務的開展提到了戰(zhàn)略的高度,中間業(yè)務的法律風險防范問題已經(jīng)成為一個重要的理論研究課題與不可避免的現(xiàn)實問題。本文首先對商業(yè)銀行中間業(yè)務的概念和類型進行了理論概述,接著分析了我國商業(yè)銀行中間業(yè)務的發(fā)展現(xiàn)狀以及開展中間業(yè)務的必要性,并對國外良好的中間業(yè)務法制環(huán)境進行了分析評價,得出適宜良好的法律制度是中間業(yè)務發(fā)展的必要條件,由此闡述了我國商業(yè)銀行發(fā)展中間業(yè)務面臨的法律風險種類,最后本文在借鑒發(fā)達國家商業(yè)銀行成功的經(jīng)驗基礎(chǔ)上,從金融監(jiān)管、商業(yè)銀行內(nèi)部建設以及法制建設三個層面上提出了一系列風險防范的措施。期望本文能夠?qū)ξ覈虡I(yè)銀行中間業(yè)務的深入、穩(wěn)定開展有所裨益。
[Abstract]:With the deepening of the process of international economic integration, foreign banks have entered one after another. With the abundant capital, perfect service, advanced software and hardware level, foreign banks have a great impact on our commercial banks. In the transition period of our economy, the real economy needs more comprehensive, systematic, diversified and individualized financial services, and the interest rate marketization makes the traditional deposit and loan interest rate difference more narrow. China's commercial banks, which are used to relying on interest income, have formed a huge challenge. Under the action of various internal and external factors, developing intermediate business and increasing non-interest income will become the future development trend of commercial banks in China. With the development of intermediary business raised to the strategic height, the legal risk prevention of intermediary business has become an important theoretical research topic and an inevitable practical problem. This paper first summarizes the concept and types of intermediary business of commercial banks, and then analyzes the current situation of the development of intermediary business of commercial banks in China and the necessity of carrying out intermediate business. By analyzing and evaluating the good legal environment of intermediate business abroad, it is concluded that a good legal system is a necessary condition for the development of intermediate business, and the types of legal risks faced by Chinese commercial banks in the development of intermediate business are expounded. Finally, based on the successful experience of commercial banks in developed countries, this paper puts forward a series of risk prevention measures from three aspects: financial supervision, internal construction of commercial banks and legal construction. It is expected that this paper will be beneficial to the deepening and stable development of the intermediate business of commercial banks in our country.
【學位授予單位】：吉林財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.281

【相似文獻】

相關(guān)期刊論文 前10條

1 汪小亞;金融市場促中間業(yè)務受寵[J];w攣胖蕓，

本文編號：1822997