發(fā)布時(shí)間：2018-06-29 23:59

  本文選題：中間業(yè)務(wù)現(xiàn)狀 + 定價(jià)分析　； 參考：《遼寧師范大學(xué)》2013年碩士論文

【摘要】：受到銀行業(yè)嚴(yán)峻競(jìng)爭(zhēng)的影響，在國(guó)際商業(yè)銀行業(yè)務(wù)創(chuàng)新的實(shí)踐中，加大力度重點(diǎn)發(fā)展中間業(yè)務(wù)成為了國(guó)有商業(yè)銀行的目標(biāo)，然而競(jìng)爭(zhēng)加劇，以及利率市場(chǎng)化步伐的加快，使得國(guó)內(nèi)銀行存款利率越來越市場(chǎng)化，，這也使得商業(yè)銀行的傳統(tǒng)業(yè)務(wù)利潤(rùn)逐漸降低。國(guó)內(nèi)越來越多的客戶逐漸采用其他的融資方式，對(duì)貸款的需求相對(duì)減少，銀行傳統(tǒng)業(yè)務(wù)盈利空間進(jìn)一步縮小。這需要市場(chǎng)的擴(kuò)大金融創(chuàng)新，各類新型的金融產(chǎn)品和金融工具層出不窮，不再以存貸款和利息收入為主要經(jīng)營(yíng)內(nèi)容，而是進(jìn)軍中間業(yè)務(wù)領(lǐng)域，開創(chuàng)了銀行業(yè)務(wù)多元化和服務(wù)功能全面化的新局面，極力推進(jìn)了商業(yè)銀行中間業(yè)務(wù)的發(fā)展，使中間業(yè)務(wù)所占市場(chǎng)份額不斷上升，中間業(yè)務(wù)的種類不斷增加，為商業(yè)銀行贏得更寬闊的盈利空間。目前西方國(guó)家商業(yè)銀行的中間業(yè)務(wù)已經(jīng)成為與銀行傳統(tǒng)的業(yè)務(wù)同等重要的三大業(yè)務(wù)之一，有著舉足輕重的地位，所以擴(kuò)展中間業(yè)務(wù)已經(jīng)成為日前銀行業(yè)的發(fā)展新趨勢(shì)。 本文共分為四個(gè)部分，第一部分主要從中間業(yè)務(wù)的特點(diǎn)、分類、內(nèi)容、發(fā)展業(yè)務(wù)的緊迫性和必要性來介紹中間業(yè)務(wù)。文章第二部分，從中間業(yè)務(wù)的收入情況、結(jié)構(gòu)態(tài)勢(shì)、重點(diǎn)產(chǎn)品和定價(jià)分析四個(gè)方面入手闡述了我國(guó)商業(yè)銀行發(fā)展的現(xiàn)狀。文章第三部分從經(jīng)營(yíng)體制制約發(fā)展、定價(jià)存在的問題、監(jiān)管問題、創(chuàng)新不足經(jīng)營(yíng)品種稀少、服務(wù)落后、營(yíng)銷管理體系不科學(xué)等方面整理了中間業(yè)務(wù)存在的一些問題。第四部分從為中間業(yè)務(wù)提供良好的環(huán)境、實(shí)行合理定價(jià)策略、構(gòu)建營(yíng)銷格局、加強(qiáng)業(yè)務(wù)產(chǎn)品創(chuàng)新、風(fēng)險(xiǎn)管理五個(gè)方面提出可以改進(jìn)的措施。
[Abstract]:Influenced by the severe competition of the banking industry, in the practice of international commercial bank's business innovation, it has become the target of the state-owned commercial bank to strengthen the development of intermediate business. However, the competition is intensified and the interest rate marketization is accelerated. The domestic bank deposit interest rate is becoming more and more market-oriented, which makes the traditional business profits of commercial banks gradually lower. More and more domestic customers gradually adopt other financing methods, the demand for loans is relatively reduced, and the profit space of traditional banking business is further reduced. This requires the expansion of the market and financial innovation. New types of financial products and instruments are emerging in endlessly. Instead of taking deposits, loans and interest income as the main business content, they are moving into the intermediate business field. It has created a new situation of diversification of banking business and comprehensive service function, and has pushed forward the development of intermediary business of commercial banks, making the market share of intermediate business continuously rising and the types of intermediate business increasing. For commercial banks to win wider profit space. At present, the intermediary business of commercial banks in western countries has become one of the three equally important business with the traditional business of banks, and has a pivotal position, so the expansion of intermediate business has become a new trend of the development of the banking industry. This paper is divided into four parts. The first part mainly introduces intermediate business from the characteristics, classification, content, urgency and necessity of business development. The second part of the article, from the income situation, structure situation, key products and pricing analysis of the four aspects of the development of commercial banks in China. The third part of the article from the management system constraints the development, pricing problems, supervision problems, innovation is scarce, service is backward, marketing management system is not scientific and other aspects of the intermediary business to sort out some problems. The fourth part puts forward the measures to be improved from five aspects: providing good environment for intermediate business, carrying out reasonable pricing strategy, constructing marketing pattern, strengthening business product innovation and risk management.
【學(xué)位授予單位】：遼寧師范大學(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)：2083942