本文選題：國有商業(yè)銀行 + 金融業(yè)務創(chuàng)新��； 參考：《東北師范大學》2013年碩士論文

【摘要】：金融業(yè)務創(chuàng)新通常是商業(yè)銀行創(chuàng)新的最主要推動力，是金融創(chuàng)新的核心。國有商業(yè)銀行是我國銀行體系的主體，對我國經濟金融的發(fā)展起著舉足輕重的作用。本篇論文選取了我國國有商業(yè)銀行的金融業(yè)務創(chuàng)新層面作為研究的重點。我國國有商業(yè)銀行的業(yè)務創(chuàng)新起步較晚，還要應對加入WTO后金融業(yè)全面對外開放帶來的巨大的沖擊。要想在激烈的國際競爭中占據有利地位，，我國國有商業(yè)銀行必須加快金融業(yè)務創(chuàng)新的步伐，努力創(chuàng)造出顧客需要的儲蓄、理財、投資等業(yè)務的新品種，提升國際競爭力。因此，研究我國國有商業(yè)銀行的金融業(yè)務創(chuàng)新對當前我國銀行業(yè)具有重要的理論和現實意義。 本文采用實例分析與論證結合的研究方法，在調研國內外相關金融創(chuàng)新理論和銀行創(chuàng)新業(yè)務的基礎上，著重分析了我國國有商業(yè)銀行的資產業(yè)務、負債業(yè)務和中間業(yè)務的創(chuàng)新狀況，深入探討了我國國有商業(yè)銀行金融業(yè)務創(chuàng)新存在的問題和制約因素，并提出了關于我國國有商業(yè)銀行業(yè)務創(chuàng)新發(fā)展的一些具體措施和建議。本文的研究思路如下： 第一部分為引言。包括背景、文獻綜述、框架以及創(chuàng)新和不足。 第二部分為金融業(yè)務創(chuàng)新理論基礎。闡明了金融創(chuàng)新和金融業(yè)務創(chuàng)新的涵義，重點介紹了與金融創(chuàng)新相關的理論。 第三部分主要闡述我國國有商業(yè)銀行金融業(yè)務創(chuàng)新的現狀，具體分為資產業(yè)務、負債業(yè)務和中間業(yè)務的現狀。 第四部分研究了我國國有商業(yè)銀行金融業(yè)務創(chuàng)新出現的問題，分析了影響金融業(yè)務創(chuàng)新的因素。我國國有商業(yè)銀行金融業(yè)務創(chuàng)新目前存在著中間業(yè)務比重低、風險水平較高和業(yè)務創(chuàng)新水平低的問題，主要受產權模式、經營模式、科技水平和金融管制等因素制約。 第五部分為加快我國國有商業(yè)銀行金融創(chuàng)新業(yè)務的策略。通過拓展金融業(yè)務空間、加強金融風險控制、深化業(yè)務創(chuàng)新水平、改革產權模式、創(chuàng)新經營管理模式、大力提高科技水平以及加強人才培養(yǎng)七方面的舉措，促進我國國有商業(yè)銀行金融業(yè)務創(chuàng)新。
[Abstract]:Financial business innovation is usually the main driving force of commercial bank innovation and the core of financial innovation. State-owned commercial banks are the main body of China's banking system and play an important role in the development of China's economy and finance. This paper selects the innovation level of the financial business of our state-owned commercial banks as the focus of the research. The business innovation of state-owned commercial banks in our country starts late, and must deal with the huge impact of the financial industry opening to the outside world after China's entry into WTO. In order to occupy a favorable position in the fierce international competition, China's state-owned commercial banks must speed up the pace of financial business innovation, strive to create new types of savings, financial management, investment and other business needed by customers, and enhance the international competitiveness. Therefore, it is of great theoretical and practical significance to study the innovation of financial business of state-owned commercial banks in China. On the basis of investigating the relevant financial innovation theory and bank innovation business at home and abroad, this paper analyzes the assets business of state-owned commercial banks in China. This paper probes into the problems and restrictive factors existing in the innovation of the financial business of the state-owned commercial banks in China, and puts forward some concrete measures and suggestions on the innovation and development of the business of the state-owned commercial banks in China. The research ideas of this paper are as follows: The first part is the introduction. Includes background, literature review, framework, and innovation and deficiencies. The second part is the theoretical basis of financial business innovation. This paper expounds the meaning of financial innovation and financial business innovation, and emphatically introduces the theories related to financial innovation. The third part mainly elaborates the present situation of the financial business innovation of the state-owned commercial banks in China, including the assets business, the liability business and the intermediate business. The fourth part studies the problems of the financial business innovation of the state-owned commercial banks in China, and analyzes the factors that affect the financial business innovation. At present, the problems of low proportion of intermediate business, high risk level and low level of business innovation exist in the financial business innovation of state-owned commercial banks in China, which are mainly restricted by the property right mode, management mode, scientific and technological level and financial regulation and so on. The fifth part is the strategy of speeding up the financial innovation business of our state-owned commercial banks. By expanding the financial business space, strengthening financial risk control, deepening the level of business innovation, reforming the mode of property rights, innovating the mode of management and management, improving the level of science and technology and strengthening the training of talents, Promote the innovation of financial business of state-owned commercial banks in China.
【學位授予單位】：東北師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

【參考文獻】

相關期刊論文 前1條

1 連建輝;;我國商業(yè)銀行的產權制度創(chuàng)新[J];中國金融;2007年01期

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