本文關鍵詞：中美商業(yè)銀行中間業(yè)務發(fā)展對比研究　出處：《延邊大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 中美商業(yè)銀行 中間業(yè)務 對比分析 發(fā)展策略

【摘要】：銀行最初的主要收入來源是利率差,銀行為應對經(jīng)濟發(fā)展帶來的非銀化現(xiàn)象,世界各國銀行采取取消利率上限管制的策略。自由化、國際化和一體化在金融業(yè)的順利發(fā)展,使得商業(yè)銀行商品同質化問題逐漸浮出水面,商業(yè)銀行在傳統(tǒng)利差收入上的創(chuàng)新和拓展能力逐漸減弱,商業(yè)銀行間面臨著激烈的競爭,在此背景下,新利潤增長點的探求一中間業(yè)務的開展和實行成為了各大商業(yè)銀行得以生存的救命稻草,抓好中間業(yè)務的發(fā)展,意味著商業(yè)銀行新發(fā)展方向的確立。 近年來,由商業(yè)銀行存貸款而帶來的利潤所占空間越來越小。銀行的經(jīng)營和運轉面臨著困境,要想擺脫這種困境,就需要擺脫對存貸款業(yè)務的依賴,尋找新的利潤增長點,獲得更多的利潤來經(jīng)營銀行。中間業(yè)務便是順應這一要求的產(chǎn)物,要想提高銀行的盈利能力,就需要大力的開展符合市場需求的中間業(yè)務,以各商業(yè)銀行固有的存貸款業(yè)務為依托,逐步的引入合適的中間業(yè)務,達到提高銀行的盈利能力的目的。 中間業(yè)務的處理擔當?shù)娘L險較小,投入的成本也比較少,而獲得的利潤較高,各國銀行通過開展中間業(yè)務,在承擔了較小風險的基礎上,獲得了較高的經(jīng)濟利潤,因此,各國銀行都紛紛效仿這一有效的手段,大力發(fā)展中間業(yè)務。將我國中間業(yè)務同外國中間業(yè)務相比,從發(fā)展的時間上進行比較,顯然我國適合中間業(yè)務發(fā)展環(huán)境的形成較晚,從中間業(yè)務經(jīng)營效果來看,外國中間業(yè)務的成長經(jīng)歷了長時期的考驗,對于中間業(yè)務的處理相對較成熟,而我國中間業(yè)務由于起步晚,加之對個別中間業(yè)務處理過程中遇到了很多本土化的問題,因此我國商業(yè)銀行對中間業(yè)務的開展并不成熟,業(yè)務處理上存在著缺點和不足。因此,為了促進中間業(yè)務的發(fā)展,需要從國外中間業(yè)務發(fā)展的整個過程和歷史經(jīng)驗著手,對其進行分析和研究,探索適合我國發(fā)展環(huán)境的可行策略,促進我國中間業(yè)務的發(fā)展。 本文以中美商業(yè)銀行中間業(yè)務的發(fā)展狀況為基礎,通過比較美國和中國商業(yè)銀行中間業(yè)務發(fā)展狀況的各項指標,研究兩者各自的特點,探討和總結出中國商業(yè)銀行中間業(yè)務發(fā)展存在的優(yōu)勢和問題,并以我國商業(yè)銀行開展中間業(yè)務的相關數(shù)據(jù)為有力支撐,針對我國商業(yè)銀行中間業(yè)務發(fā)展中存在的問題,參考美國商業(yè)銀行中間業(yè)務的先進理論、方法等,提出幾點有助于我國商業(yè)銀行中間業(yè)務發(fā)展戰(zhàn)略方向和策略。
[Abstract]:The first is the main source of income of the bank interest rates, bank for non silver phenomenon to deal with economic development, to cancel interest rate cap regulation strategy of World Bank. Liberalization, internationalization and integration of the smooth development of the financial industry, the commercial bank commodity homogenization problem gradually surfaced, the innovation in the traditional commercial bank interest income the ability to expand and gradually weakened, the commercial banks are faced with fierce competition, in this context, to explore a new profit growth point of the middle business development and implementation has become the major commercial banks to survive the life-saving straw, grasp the development of intermediate business, means the establishment of new direction of the development of commercial banks.
In recent years, the commercial bank loan and the profit space more and more small. The bank's management and operation is facing difficulties, to get out of this dilemma, you need to get rid of dependence on deposit and loan business, looking for new profit growth point, to obtain more profits to run the bank intermediary business is the product. To meet this requirement, in order to improve the profitability of banks, we need to vigorously carry out the intermediate business with the market demand, the inherent in each commercial bank deposit and loan business based on a gradual introduction of intermediate business right, to enhance the profitability of the bank.
Treatment of intermediate business as the risk is small, the cost is relatively small, and obtain higher profits, banks through the development of intermediary business, based on taking less risk, obtain higher economic profit, therefore, banks have to follow this effective means, vigorously develop intermediary business. Intermediary business in China with foreign intermediary business compared to comparison from the development time for our country, apparently formed late intermediate business development environment, from the business point of view, foreign intermediary business development has experienced a long period of test, for the treatment of intermediate business is relatively mature, but because of intermediary business in China started late, in addition to the individual intermediary business process encountered many localization problems, so China's commercial banks to intermediate business is not mature, the business processing. Shortcomings and shortcomings. Therefore, in order to promote the development of intermediary business, we need to start from the whole process and historical experience of foreign intermediary business development, analyze and research it, explore feasible strategies suitable for China's development environment, and promote the development of China's intermediary business.
This paper is based on the development of the intermediate business of commercial bank in the United States and China, by comparing the indicators of the development status of commercial banks in America and Chinese middle business, study their respective characteristics, the paper discusses and summarizes the advantages and problems of the development of intermediate business of commercial bank Chinese, related data and China's commercial banks to develop intermediate business is strong support for our country commercial bank middle business problems in the development of advanced theory, the intermediate business of commercial banks in the United States reference method, put forward some help to our country commercial bank middle business development strategy and strategic direction.

【學位授予單位】：延邊大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F831.2;F832.2

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