本文選題：盤錦市商業(yè)銀行　切入點：中間業(yè)務(wù)　出處：《東北大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著金融全球化的深入發(fā)展,外國銀行逐漸進入我國,銀行業(yè)的競爭越來越激烈,使得商業(yè)銀行傳統(tǒng)業(yè)務(wù)所帶來的利潤在逐漸減少,各銀行將其發(fā)展目光投向了中間業(yè)務(wù),中間業(yè)務(wù)在各銀行業(yè)務(wù)中所占比例逐年提升,已成為現(xiàn)代商業(yè)銀行的核心業(yè)務(wù)之一。這對于銀行傳統(tǒng)的資產(chǎn)負債式的經(jīng)營模式提出了的挑戰(zhàn),加大力度發(fā)展中間業(yè)務(wù)已成為各大銀行發(fā)展的重中之重。 大力發(fā)展中間業(yè)務(wù)已成為未來銀行發(fā)展的總體趨勢,但在發(fā)展中間業(yè)務(wù)的過程中,就如何發(fā)展這個問題始終沒有一個具體明確的答案。尤其是盤錦市商業(yè)銀行在以往的經(jīng)營中一直以資產(chǎn)負債業(yè)務(wù)為主,轉(zhuǎn)向以發(fā)展中間業(yè)務(wù)為核心對盤錦市商業(yè)銀行來說是個問題,這需要提高對中間業(yè)務(wù)的整體認識,了解中間業(yè)務(wù)的特點,不同的中間業(yè)務(wù)的風(fēng)險和收益之間的區(qū)別,目前的社會大環(huán)境、經(jīng)濟環(huán)境、消費環(huán)境對中間業(yè)務(wù)的發(fā)展會形成哪些制約等。本文首先對中間業(yè)務(wù)的概念、種類、特點等進行了具體的介紹,然后從盤錦市商業(yè)銀行的實際情況出發(fā),全面分析了中間業(yè)務(wù)的發(fā)展現(xiàn)狀、存在問題及制約中間業(yè)務(wù)發(fā)展的因素,最后針對問題具體分析,提出對策。發(fā)展中間業(yè)務(wù)是一個涉及面廣,需要考慮很多因素的重大戰(zhàn)略選擇,如果逐條具體的分析,在這一篇文章中可能難以完成,也難以突出重點,本文選取了四個重點方面分析研究,即中間業(yè)務(wù)新產(chǎn)品開發(fā),中間業(yè)務(wù)的管理機制,中間業(yè)務(wù)的定價方式,中間業(yè)務(wù)的風(fēng)險防范等,通過對上述問題的討論,提出一些對策,以保證在具體操作中更具針對性和可行性。
[Abstract]:With the further development of financial globalization, foreign banks gradually enter our country, the competition of banking is more and more fierce, which makes the profits brought by the traditional business of commercial banks gradually reduced, and the banks turn their attention to the intermediate business. The proportion of intermediary business in the banking business has been increasing year by year, which has become one of the core business of modern commercial banks. To strengthen the development of intermediary business has become the most important development of major banks. The development of intermediary business has become the general trend of bank development in the future, but in the process of developing intermediate business, There is never a specific and clear answer to the question of how to develop this issue. In particular, Panjin City Commercial Bank has always focused on its asset-liability business in the past. Turning to the development of intermediate business as the core is a problem for Panjin City commercial banks, which needs to enhance the overall understanding of the intermediary business, understand the characteristics of the intermediate business, and the difference between the risks and benefits of different intermediate businesses. What constraints will the social environment, economic environment and consumption environment form on the development of intermediate business? firstly, this paper introduces the concept, types and characteristics of intermediary business. Then proceeding from the actual situation of Panjin City Commercial Bank, this paper comprehensively analyzes the current situation of the development of intermediate business, the existing problems and the factors restricting the development of intermediate business. Development of intermediate business is a major strategic choice that involves a wide range of factors and needs to be considered. If specific analysis is carried out article by article, it may be difficult to complete and highlight the key points in this article. This paper selects four key aspects of analysis and research, namely, the development of new products of intermediate business, the management mechanism of intermediate business, the pricing mode of intermediate business, the risk prevention of intermediate business, and puts forward some countermeasures through the discussion of the above problems. In order to ensure that in the specific operation more targeted and feasible.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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