本文關鍵詞：我國商業(yè)銀行中間業(yè)務發(fā)展問題及對策研究　出處：《哈爾濱商業(yè)大學》2013年碩士論文　論文類型：學位論文

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【摘要】：我國金融業(yè)全面開放,且我國商業(yè)銀行由傳統(tǒng)銀行向現(xiàn)代商業(yè)銀行轉型步伐的不斷加快,中間業(yè)務得到了國內商業(yè)銀行前所未有的重視,許多銀行將它定位于業(yè)務發(fā)展的重點,并在組織架構調整、資源配置等方面加大了支持力度,中間業(yè)務已成為國內商業(yè)銀行業(yè)務發(fā)展的重要領域和中外銀行市場競爭的焦點。然而,我國商業(yè)銀行中間業(yè)務發(fā)展的狀況與西方發(fā)達國家同業(yè)相比仍處于起步階段,存在很大的差距；而且大多數(shù)新興的中間業(yè)務技術含量高,因而中間業(yè)務及其創(chuàng)新也蘊含許多不同形式的特殊的金融風險。 本文首先從傳統(tǒng)銀行業(yè)的脆弱性及其負外部效應入手,對西方商業(yè)銀行中間業(yè)務發(fā)展的歷史背景及其發(fā)展路徑進行了研究,對商業(yè)銀行中間業(yè)務發(fā)展的內涵和模式等進行界定；其次,分析了國有商業(yè)銀行中間業(yè)務發(fā)展與體制轉軌的邏輯關系,闡述了創(chuàng)新在國有商業(yè)銀行中間業(yè)務發(fā)展中的內生動力作用,以中國建設銀行北京市分行為例,運用SWOT分析方法分析了影響國有商業(yè)銀行中間業(yè)務收入的宏觀因素和微觀因素,為國有商業(yè)銀行的中間業(yè)務轉型提供理論依據(jù)；再次,探討了創(chuàng)新主導下的國有商業(yè)銀行中間業(yè)務發(fā)展策略,包括經(jīng)營理念、中間業(yè)務產(chǎn)品設計、不同類型產(chǎn)品的定價和服務機制等方面的創(chuàng)新；最后,根據(jù)中間業(yè)務風險的特殊性,在總結西方商業(yè)銀行在中間業(yè)務風險管理方面的經(jīng)驗,包括美國次級貸款危機暴露出的商業(yè)銀行在中間業(yè)務風險管理方面存在的問題的基礎上,從內部控制和外部監(jiān)管兩個方面,提出了國有商業(yè)銀行中間業(yè)務轉型中的風險管理策略。 因此,我國銀行發(fā)展中間業(yè)務,要建立一個戰(zhàn)略性考慮,不能片面地為降低不良貸款、提高利潤而發(fā)展中間業(yè)務,并為此機械地制訂相應的考核指標,并下達到各分支機構。一方面,銀行不要忽視當前、并且在相當長的時期內我國仍然存在的十分龐大的貸款融資需求,發(fā)展中間業(yè)務要與我國金融市場的發(fā)展節(jié)奏合拍。另一方面,銀行也要高瞻遠矚,要抓住當前良好的發(fā)展機遇,積極開展金融創(chuàng)新,穩(wěn)妥、高效地開展中間業(yè)務。
[Abstract]:China's financial industry is fully open, and China's commercial banks from the traditional banks to modern commercial banks to accelerate the pace of transition, intermediary business has been unprecedented attention of domestic commercial banks. Many banks have positioned it as the focus of business development and increased their support in organizational structure adjustment, resource allocation, and so on. Intermediary business has become an important field in the development of domestic commercial bank business and the focus of market competition between Chinese and foreign banks. The development of intermediate business of commercial banks in China is still in its infancy compared with that of western developed countries, and there is a big gap between them. Moreover, most of the new intermediate business have high technical content, so the intermediate business and its innovation also contain many different forms of special financial risks. This paper begins with the fragility of traditional banking and its negative external effects, and studies the historical background and development path of the intermediate business development of western commercial banks. Define the connotation and mode of commercial bank intermediate business development; Secondly, it analyzes the logical relationship between the development of intermediate business and the system transition of state-owned commercial banks, and expounds the endogenous dynamic role of innovation in the development of intermediate business of state-owned commercial banks. Taking the Beijing branch of China Construction Bank as an example, this paper analyzes the macro and micro factors that affect the income of the intermediate business of state-owned commercial banks by using SWOT analysis method. To provide the theoretical basis for the intermediate business transformation of state-owned commercial banks; Thirdly, the paper discusses the innovation of intermediate business development strategy of state-owned commercial banks under the guidance of innovation, including business concept, intermediate business product design, pricing of different types of products and service mechanism. Finally, according to the particularity of intermediate business risk, it summarizes the experience of western commercial banks in intermediate business risk management. Including the sub-loan crisis in the United States exposed commercial banks in the intermediary business risk management problems on the basis of internal control and external supervision two aspects. This paper puts forward the risk management strategy of state-owned commercial banks in the transition of intermediate business. Therefore, in order to develop intermediary business, Chinese banks should establish a strategic consideration, not one-sidedly to reduce non-performing loans, increase profits and develop intermediary business, and mechanically formulate the corresponding assessment indicators. On the one hand, banks should not ignore the current, and in a very long period of time still exist in China's very large loan financing needs. On the other hand, banks should also be far-sighted, seize the current good development opportunities, actively carry out financial innovation, sound. Carry out intermediary business efficiently.
【學位授予單位】：哈爾濱商業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F224;F832.2

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