本文選題：中間業(yè)務(wù) + 工商銀行　； 參考：《西南財經(jīng)大學》2012年碩士論文

【摘要】：中間業(yè)務(wù)是銀行三大支柱業(yè)務(wù)之一,是目前商業(yè)銀行面對西方發(fā)達國家商業(yè)銀行競爭、迎接全球化挑戰(zhàn)、提高自身經(jīng)濟實力的一個重要支柱業(yè)務(wù)。在我國加入WTO以后,全球商業(yè)銀行的競爭主要是新興業(yè)務(wù)的競爭,尤其是中間業(yè)務(wù)創(chuàng)新力的競爭,中間業(yè)務(wù)的競爭已經(jīng)成為國內(nèi)外商業(yè)銀行的必爭之地。 最近幾年,我國商業(yè)銀行緊緊跟隨著國際主流金融業(yè)的變革,各大銀行紛紛將中間業(yè)務(wù)視為未來的發(fā)展重心,將其作為自己的戰(zhàn)略發(fā)展方向,大部分商業(yè)銀行已經(jīng)加快了中間業(yè)務(wù)的創(chuàng)新步伐。國內(nèi)各大商業(yè)銀行在中間業(yè)務(wù)的創(chuàng)新發(fā)展方面都取得了明顯的進步,這不僅提高了我國中間業(yè)務(wù)發(fā)展的整體水平,同時也提升了國內(nèi)銀行業(yè)整體的盈利水平,增強了國內(nèi)商業(yè)銀行的自主創(chuàng)新能力,逐步縮短了與西方發(fā)達國家中間業(yè)務(wù)水平的差距。 雖然我國商業(yè)銀行的中間業(yè)務(wù)已經(jīng)取得了很大的進步,許多數(shù)據(jù)都表明我國商業(yè)銀行在金融危機以及全球經(jīng)濟衰退的影響下,中間業(yè)務(wù)收入水平不止沒有下降,反而在不斷地提升,但是提升的力度還是很小的。與西方發(fā)達國家商業(yè)銀行的中間業(yè)務(wù)相比,我國商業(yè)銀行中間業(yè)務(wù)還有很大的提升空間。其中工商銀行中間業(yè)務(wù)的發(fā)展在五大國有商業(yè)銀行中占有一定的優(yōu)勢,因此本文通過對工商銀行中間業(yè)務(wù)發(fā)展研究來了解國內(nèi)商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀。 在國際金融化改革的新領(lǐng)域中,工商銀行要充分把握好時機,增強自主創(chuàng)新能力。從工商銀行近幾年來的發(fā)展情況我們可以看到它的中間業(yè)務(wù)發(fā)展有了很大的進步,同時我們更應(yīng)該看到影響它的許多負面因素,這些因素正在潛藏著危機,阻礙工商銀行中間業(yè)務(wù)提升創(chuàng)新力。這不僅影響工商銀行的規(guī)模、效益同時也會對整個國民經(jīng)濟的發(fā)展產(chǎn)生一定的負面效應(yīng)。因此,重視中間業(yè)務(wù)的發(fā)展,大力發(fā)展中間業(yè)務(wù),是促進中國工商銀行業(yè)務(wù)收入增長的關(guān)鍵所在。 論文借鑒國內(nèi)外發(fā)展中間業(yè)務(wù)的相關(guān)文獻理論,尤其是西方發(fā)達國家對中間業(yè)務(wù)的研究理論,如1987年美國西北大學提出的“TRTCK”多因素綜合模型對中間業(yè)務(wù)發(fā)展動因進行了概括,這一理論提出的五大因素對中間業(yè)務(wù)的影響貫穿其整個過程,這個理論對國內(nèi)各大商業(yè)銀行也同樣適用,論文借鑒相應(yīng)的理論對工商銀行中間業(yè)務(wù)的發(fā)展進行分析。同時論文借鑒一些國內(nèi)金融學者對目前國內(nèi)商業(yè)銀行中間業(yè)務(wù)發(fā)展狀況的研究,分析國內(nèi)商業(yè)銀行中間業(yè)務(wù)發(fā)展狀況,并提出自己的相關(guān)建議。 在結(jié)構(gòu)安排上,筆者共分為六個部分對商業(yè)銀行中間業(yè)務(wù)發(fā)展問題進行闡述。 第一部分為導(dǎo)論。首先論文介紹了選題的研究背景及研究意義：然后為文獻綜述,通過國內(nèi)外兩方面對商業(yè)銀行中間業(yè)務(wù)發(fā)展進行文獻理論研究。國外文獻都是從金融創(chuàng)新層面對中間業(yè)務(wù)的發(fā)展來研究的,筆者首先從國外關(guān)于金融創(chuàng)新理論進行總結(jié),然后對國內(nèi)的研究成果進行歸納,通過對國內(nèi)外學者研究成果的參考,得出筆者的研究思路；接著是本文的邏輯思路與結(jié)構(gòu)框架,以及采用的研究方法,最后是對本文的創(chuàng)新和不足之處加以解說。 第二部分為國內(nèi)外中間業(yè)務(wù)發(fā)展現(xiàn)狀及啟示,對商業(yè)銀行中間業(yè)務(wù)的概念、分類情況、作用和風險特點,使讀者對國內(nèi)商業(yè)銀行的中間業(yè)務(wù)情況進行初步的認識和了解,接著對國內(nèi)外商業(yè)銀行中間業(yè)務(wù)的發(fā)展情況進行比較分析,從中分析出我國商業(yè)銀行發(fā)展中間業(yè)務(wù)發(fā)展中的優(yōu)勢與不足之處,分別從觀念思想轉(zhuǎn)變、收入結(jié)構(gòu)轉(zhuǎn)變、符合我國國情這三個方面進行總結(jié),通過啟示促進我國商業(yè)銀行中間業(yè)務(wù)發(fā)展。 第三部分為工商銀行中間業(yè)務(wù)現(xiàn)狀及分析,首先對工商銀行中間業(yè)務(wù)發(fā)展現(xiàn)狀進行闡述,接著通過對工商銀行中間業(yè)務(wù)情況與西方發(fā)達國家商業(yè)銀行中間業(yè)務(wù)情況(以匯豐銀行為例)作比較分析,得出工商銀行在發(fā)展中間業(yè)務(wù)方面存在產(chǎn)品品種貧乏、技術(shù)手段低劣、中間業(yè)務(wù)收入水平較低等不足之處,進一步提出工行應(yīng)向西方發(fā)達國家商業(yè)銀行學習的相關(guān)建議； 第四部分為工商銀行中間業(yè)務(wù)的發(fā)展分析,也是本文的核心部分,以前的文章只是單一的實證分析進行研究,本文通過兩種不同類型的分析方法對工商銀行中間業(yè)務(wù)發(fā)展情況進行分析。論文通過對工商銀行中間業(yè)務(wù)整體發(fā)展情況的SWOT分析和局部影響因素的實證分析,得出工商銀行中間業(yè)務(wù)水平的內(nèi)部優(yōu)勢和劣勢、外部環(huán)境的機遇和威脅,并指出工行部分財務(wù)指標對其中間業(yè)務(wù)發(fā)展的不同影響。首先對工商銀行整體情況進行SWOT分析,得出工商銀行中間業(yè)務(wù)水平的內(nèi)部優(yōu)勢和劣勢、外部環(huán)境的機遇和威脅,然后運用Eviews軟件對微觀影響因素進行格蘭杰因果檢驗,再對影響因素進行回歸分析,得出總資本、利息收入對中間業(yè)務(wù)顯著正相關(guān),資本充足率、不良貸款率負相關(guān),除資本充足率外其他均通過模型檢驗。 第五部分為戰(zhàn)略選擇和建議,首先對工商銀行中間業(yè)務(wù)整體進行優(yōu)勢、劣勢、機遇與挑戰(zhàn)的戰(zhàn)略選擇,制定工商銀行進一步提升中間業(yè)務(wù)能力的具體發(fā)展戰(zhàn)略,同時針對影響工商銀行中間業(yè)務(wù)發(fā)展的個別因素提出自己的相關(guān)建議,指導(dǎo)工商銀行進一步規(guī)劃中間業(yè)務(wù)的發(fā)展格局。 最后部分為結(jié)論與展望,工商銀行應(yīng)充分利用自身所具備的強大的內(nèi)部環(huán)境優(yōu)勢,同時盡力克服外部環(huán)境中面臨的威脅,從而才能取得中間業(yè)務(wù)的長期有效地發(fā)展,希望能夠?qū)ζ渌虡I(yè)銀行中間業(yè)務(wù)的發(fā)展有啟示作用。
[Abstract]:The intermediary business is one of the three pillars of the bank . It is an important pillar in the commercial banks to compete with the commercial banks in the western developed countries to meet the challenges of globalization and improve their economic strength . After China ' s entry into the WTO , the competition of the global commercial banks is mainly the competition of the emerging business , especially the competition of the intermediary business innovation , and the competition of the intermediary business has become a necessary place for commercial banks at home and abroad .

In recent years , China ' s commercial banks have closely followed the reform of the international mainstream financial industry , and the major banks have taken the intermediary business as their strategic development direction . Most commercial banks have made remarkable progress in the development of the intermediary business . This not only improves the overall level of the development of the intermediary business in our country , but also increases the overall profit level of the domestic banking industry , strengthens the independent innovation ability of the domestic commercial banks , and gradually shortens the gap with the intermediate business level of the developed countries .

Although China ' s commercial banks have made great progress in the intermediary business , many data show that China ' s commercial banks have not only declined in the financial crisis and the global economic recession , but the level of promotion is still very small . In comparison with the middle business of commercial banks in western developed countries , the development of the intermediate business of commercial banks has a certain advantage in the five big state - owned commercial banks . Therefore , this paper tries to find out the present situation of the development of the intermediate business of domestic commercial banks through the research on the development of the intermediate business of ICBC .

In the new field of international financial reform , ICBC should fully grasp the good time and strengthen the independent innovation ability . From the development of ICBC in recent years , we can see that it has made great progress in the development of the intermediate business . At the same time , we should see many negative factors that affect it . This not only affects the size and benefit of ICBC , but also exerts negative effect on the development of the whole national economy .

This paper draws lessons from the relevant literature theories of domestic and foreign development of the intermediate business , especially the research theory of the western developed countries to the intermediate business . The five factors , such as the " TRTCK " multi - factor comprehensive model proposed by the Northwest University in 1987 , have carried on the analysis of the development of the intermediary business .

On the structure arrangement , the author divides into six parts to discuss the development of intermediary business of commercial banks .

Firstly , the paper introduces the background and significance of the research on the development of intermediary business in commercial banks .
Then it is the logical thinking and structural framework of this paper , and the research methods adopted in this paper , and finally explains the innovations and shortcomings of this paper .

The second part analyzes the concept , classification , function and risk of the intermediate business of commercial banks at home and abroad , and makes a comparative analysis on the development of the intermediary business of commercial banks at home and abroad .

The third part is the present situation and the analysis of the intermediate business of ICBC , and then makes a comparative analysis on the intermediate business situation of ICBC and the intermediary business of the western developed countries ( taking HSBC as an example ) , and concludes that the ICBC has the disadvantages of poor product varieties , inferior technical means and lower income level of the intermediate service in the development of the intermediary business , and further puts forward relevant suggestions for the study of the commercial banks in the developed countries ;


The fourth part is divided into the development and analysis of the intermediate business of ICBC , and it is the core part of this paper . The former article is only a single empirical analysis . This paper makes an empirical analysis of the development of the intermediate business of ICBC by means of two different types of analysis methods .

The fifth part is the strategic choice and suggestion . First , the strategic choice of the advantages , disadvantages , opportunities and challenges of the intermediary business of ICBC is selected , and the concrete development strategy for further enhancing the intermediary business capacity is formulated . At the same time , the relevant suggestions are put forward for the individual factors that affect the development of the intermediate business of ICBC , and guide the ICBC to further plan the development pattern of the intermediary business .

The last part is conclusion and prospect , ICBC should make full use of the strong internal environment advantage possessed by oneself , while trying to overcome the threat faced in the external environment , so that the long - term and effective development of the intermediate business can be achieved , and it is hoped that the development of the intermediary business of other commercial banks will be enlightening .
【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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