本文選題：中間業(yè)務(wù) + 業(yè)務(wù)創(chuàng)新�。� 參考：《天津大學(xué)》2012年碩士論文

【摘要】：銀行的中間業(yè)務(wù)是利用本身已有是客戶資源為客戶提供金融服務(wù)，充分發(fā)揮自身優(yōu)勢(shì)而基本上不需要?jiǎng)佑米杂匈Y金，銀行業(yè)站在第三方的角度為客戶辦理業(yè)務(wù)提供服務(wù)。中間業(yè)務(wù)以商業(yè)銀行在金融界內(nèi)的信譽(yù)構(gòu)成的無形資產(chǎn)為銀行的經(jīng)營(yíng)資本，而不是以往的經(jīng)營(yíng)模式即以銀行信貸資金為經(jīng)營(yíng)資本。本文從我國(guó)商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀開始分析，了解中間業(yè)務(wù)目前存在的問題，并且與國(guó)外西方銀行發(fā)展相比發(fā)現(xiàn)中間業(yè)務(wù)發(fā)展存在很大的差距。明確在中間業(yè)務(wù)發(fā)展方面中資銀行與西方銀行的差距，以此借鑒西方國(guó)家銀行中間業(yè)務(wù)的發(fā)展經(jīng)驗(yàn)，進(jìn)而推動(dòng)中資銀行中間業(yè)務(wù)的創(chuàng)新與發(fā)展。再結(jié)合目前國(guó)內(nèi)的金融市場(chǎng)環(huán)境，提出中間業(yè)務(wù)發(fā)展及創(chuàng)新的必要性，實(shí)踐和理論都認(rèn)為中間業(yè)務(wù)發(fā)展是我國(guó)銀行業(yè)發(fā)展的轉(zhuǎn)折點(diǎn)和利潤(rùn)提升關(guān)鍵。本文研究重點(diǎn)在于銀行中間業(yè)務(wù)創(chuàng)新，如何進(jìn)行創(chuàng)新以及創(chuàng)新所帶來的風(fēng)險(xiǎn)如何控制與管理。 在創(chuàng)新帶來的風(fēng)險(xiǎn)管理方面，先是根據(jù)實(shí)際經(jīng)驗(yàn)判斷出創(chuàng)新性存在哪些風(fēng)險(xiǎn)性，再選取相應(yīng)的指標(biāo)建立風(fēng)險(xiǎn)管理體系，通過指標(biāo)體系研究創(chuàng)新所帶來的風(fēng)險(xiǎn)。然后，選取11家我國(guó)內(nèi)上市商業(yè)銀行，計(jì)算指標(biāo)體系中包含的各類指標(biāo)，通過采用統(tǒng)計(jì)方法進(jìn)行因子分析，進(jìn)行分析銀行各類風(fēng)險(xiǎn)性，最后提出風(fēng)險(xiǎn)創(chuàng)新的相關(guān)建議。本文旨在通過中間業(yè)務(wù)的研究促進(jìn)中間業(yè)務(wù)創(chuàng)新，提高銀行業(yè)的業(yè)務(wù)范圍，轉(zhuǎn)變依賴存貸差的利息收入的一種存在模式，，銀行業(yè)應(yīng)該重點(diǎn)關(guān)注中間業(yè)務(wù)的發(fā)展，它所帶來利潤(rùn)前景是廣闊的。
[Abstract]:The intermediate business of the bank is to provide the financial service for the customer by using its own customer resources, giving full play to its own advantages and basically not needing to use its own capital, the banking industry stands at the angle of the third party to provide the service for the customer to handle the business.The intangibles of commercial banks' credit standing in the financial field are regarded as the operating capital of the banks, rather than the operating capital of the banks' credit funds in the past.This paper begins with the analysis of the current situation of the development of intermediate business in commercial banks in China, and finds out that there is a big gap between the development of intermediate business and the development of foreign banks.The gap between Chinese banks and western banks in the development of intermediary business is clear, so as to draw lessons from the experience of the development of intermediary business in western countries, and then promote the innovation and development of intermediary business of Chinese banks.Combined with the current domestic financial market environment, this paper puts forward the necessity of intermediate business development and innovation. Both practice and theory think that intermediate business development is the turning point and the key to profit promotion of China's banking industry.This paper focuses on the innovation of bank intermediary business, how to carry out innovation and how to control and manage the risks brought by innovation.In the aspect of risk management brought by innovation, we first judge the risk of innovation according to the actual experience, then select the corresponding indicators to establish the risk management system, through the index system to study the risk brought by innovation.Then, 11 domestic listed commercial banks are selected to calculate all kinds of indexes contained in the index system. By using the statistical method to carry on factor analysis, to analyze the banks' various kinds of risks, and finally to put forward the relevant suggestions of risk innovation.The purpose of this paper is to promote the innovation of intermediary business, improve the scope of banking business, and change the existing mode of interest income which depends on the difference between deposit and loan. The banking industry should focus on the development of intermediate business.The profits it brings are promising.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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本文編號(hào)：1744139