發(fā)布時(shí)間：2018-01-02 15:33

  本文關(guān)鍵詞：論促進(jìn)我國商業(yè)銀行中間業(yè)務(wù)創(chuàng)新的對(duì)策　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2013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) 創(chuàng)新發(fā)展

【摘要】：在經(jīng)濟(jì)自由化和放松金融管制的背景下，西方商業(yè)銀行逐漸將業(yè)務(wù)重心放在發(fā)展中間業(yè)務(wù)上。經(jīng)過二十多年的努力，西方商業(yè)銀行中間業(yè)務(wù)規(guī)模不斷擴(kuò)大，涉及范圍廣泛，收入增長迅速。反觀我國商業(yè)銀行，，傳統(tǒng)的經(jīng)營模式依舊占據(jù)主導(dǎo)地位，中間業(yè)務(wù)不僅規(guī)模小，品種少，而且技術(shù)含量低，收入占比不高。隨著金融體制改革的深入和社會(huì)經(jīng)濟(jì)的發(fā)展對(duì)金融需求的推動(dòng)，我國商業(yè)銀行也逐步認(rèn)識(shí)到中間業(yè)務(wù)發(fā)展的重要性，并積極利用現(xiàn)有資金、技術(shù)、人才、信息等方面的優(yōu)勢(shì)發(fā)展各類中間業(yè)務(wù)，使我國商業(yè)銀行的中間業(yè)務(wù)有了明顯的進(jìn)步，但與發(fā)達(dá)國家商業(yè)銀行相比，我國商業(yè)銀行的中間業(yè)務(wù)還存在較大的差距。 本文以我國商業(yè)銀行中間業(yè)務(wù)的創(chuàng)新為研究對(duì)象，對(duì)我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀和存在的問題進(jìn)行了深入的分析，認(rèn)為我國商業(yè)銀行中間業(yè)務(wù)發(fā)展過程中存在著諸如品種少、收入結(jié)構(gòu)不合理；缺乏對(duì)市場細(xì)分，不能滿足客戶需求；缺少中間業(yè)務(wù)部門，管理機(jī)制落后；風(fēng)險(xiǎn)防范能力差，對(duì)中間業(yè)務(wù)風(fēng)險(xiǎn)的認(rèn)識(shí)與防范不足；受到分業(yè)經(jīng)營的限制，金融市場不健全；缺少相關(guān)法律法規(guī)的約束等問題。最后借鑒國外商業(yè)銀行中間業(yè)務(wù)創(chuàng)新的先進(jìn)經(jīng)驗(yàn)，對(duì)如何促進(jìn)我國商業(yè)銀行中間業(yè)務(wù)的創(chuàng)新提出了相應(yīng)的對(duì)策建議，認(rèn)為應(yīng)從完善法律法規(guī)，營造良好的經(jīng)營環(huán)境；加強(qiáng)人才儲(chǔ)備，完善中間業(yè)務(wù)管理機(jī)制；提高自身創(chuàng)新能力；做好市場定位和產(chǎn)品創(chuàng)新；完善內(nèi)部控制與風(fēng)險(xiǎn)防范等方面采取切實(shí)的措施，以促進(jìn)我國商業(yè)銀行中間業(yè)務(wù)的創(chuàng)新。
[Abstract]:In the economic liberalization and deregulation of the industry under the background of western commercial banks will gradually focus on the business development of the intermediate business. After more than 20 years of efforts, the western commercial bank intermediary business continues to expand the scale, involving a wide range, rapid income growth. In contrast, China's commercial banks, the traditional business model is still occupy the dominant position. The intermediate business is not only small in scale, less varieties, and low technical content, the proportion of income is not high. With the development of financial system reform and the deepening of social economy and the financial needs of the commercial banks in China have gradually realized the importance of the development of intermediary business, and actively take advantage of existing capital, technology, talent, intermediate business advantage the development of various types of information and other aspects of the intermediate business of commercial banks in China has made significant progress, but compared with the commercial banks in developed countries, the intermediary business of our commercial banks There is still a big gap.
Based on the innovation of intermediate business of Chinese commercial banks as the research object, in-depth analysis of the status quo of the development of intermediate business of commercial banks in China and the problems that the development process of China's commercial bank intermediary business such as the existence of fewer varieties, the income structure unreasonable; lack of market segmentation, can not meet the needs of customers the lack of intermediate; business departments, management mechanism behind; risk prevention ability, understanding and prevention of the risk of intermediary business is insufficient; the limitations of the separate operation, the financial market is not perfect; the constraint problems such as the lack of relevant laws and regulations. Finally, learn from the advanced experience of the foreign commercial bank middle business innovation, the corresponding countermeasures and suggestions for innovation how to promote the intermediate business of commercial banks in China is put forward, that should improve the laws and regulations, to create a good business environment; strengthen the talent reserve, end It is good at intermediate business management mechanism, improving its own innovation ability, making good market positioning and product innovation, improving internal control and risk prevention, and taking effective measures to promote the innovation of intermediary business in China's commercial banks.

【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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本文編號(hào)：1369843