【摘要】：隨著競爭加劇,金融創(chuàng)新異軍突起,西方商業(yè)銀行逐漸擺脫以存貸款和利息收入為主要經(jīng)營內(nèi)容的傳統(tǒng)銀行經(jīng)營模式,通過數(shù)百余年的積累,中間業(yè)務(wù)在西方商業(yè)銀行業(yè)務(wù)中已經(jīng)擁有了舉足輕重的地位。相比之下,國內(nèi)商業(yè)銀行中間業(yè)務(wù)發(fā)展一直處于滯后狀態(tài),近年來由于國內(nèi)利率市場化改革深入,利率彈性大大提高,利差不斷收窄,以及“金融脫媒”現(xiàn)象的進(jìn)一步滲透,迫使我國商業(yè)銀行將注意力投向開發(fā)非利差型的中間業(yè)務(wù),以拓展自身利潤范圍,提高收益水平與盈利穩(wěn)定性,從而適應(yīng)市場化改革發(fā)展的大環(huán)境。 本文在歸納總結(jié)中外學(xué)者研究成果的基礎(chǔ)上,從比較中、美兩國商業(yè)銀行中間業(yè)務(wù)差異的角度入手,選取工商銀行、中信銀行、南京銀行、花旗銀行,以及兩國銀行業(yè)數(shù)據(jù),結(jié)合多類常用經(jīng)濟(jì)指標(biāo)量化分析,系統(tǒng)地比較了兩者之間的差異、分析存在的問題、并提出了具有針對性的解決方案,為今后的研究提供一定的參考。 其中,第一部分緒論,概括地介紹了本文的研究背景、目的意義、研究方法、創(chuàng)新點(diǎn)及不足之處；第二部分中間業(yè)務(wù)的概況及文獻(xiàn)綜述,文中簡要介紹了中間業(yè)務(wù)的概念、種類、特征、風(fēng)險、以及中間業(yè)務(wù)對促進(jìn)我國商業(yè)銀行內(nèi)在發(fā)展的重要意義,并對前人在中間業(yè)務(wù)方面的理論研究成果進(jìn)行了分類歸納、簡要評析；第三部分是本文的重點(diǎn),從歷史沿革、經(jīng)營環(huán)境、自身經(jīng)營現(xiàn)狀3大方面,對中、美兩國商業(yè)銀行中間業(yè)務(wù)逐一進(jìn)行了比較,并對存在的差異的各種原因進(jìn)行了分析；第四、五部分在以上對比的基礎(chǔ)上,明確指出問題所在并有針對性的提出促進(jìn)我國商業(yè)銀行發(fā)展中間業(yè)務(wù)的方案；第六部分是對全文的歸納總結(jié)。
[Abstract]:With the intensification of competition and the sudden emergence of financial innovation, Western commercial banks gradually get rid of the traditional banking business model, which mainly deals with deposit, loan and interest income, and through the accumulation of more than hundreds of years, Intermediary business has played an important role in western commercial bank business. In contrast, the development of intermediate business in domestic commercial banks has been lagging behind. In recent years, due to the deepening reform of the marketization of domestic interest rates, the elasticity of interest rates has been greatly improved, the spread of interest rates has been narrowing, and the phenomenon of "financial disintermediation" has been further infiltrated. The commercial banks of our country are forced to pay more attention to the development of non-interest-rate intermediary business in order to expand their profit range and improve the profit level and profit stability so as to adapt to the general environment of market-oriented reform and development. On the basis of summing up the research results of Chinese and foreign scholars, from the perspective of the differences between the commercial banks of the United States and the United States, this paper selects ICBC, CITIC Bank, Nanjing Bank, Citibank, and the banking data of the two countries. Based on the quantitative analysis of many kinds of commonly used economic indicators, this paper systematically compares the differences between the two, analyzes the existing problems, and puts forward a targeted solution, which provides a certain reference for future research. Among them, the first part of the introduction, the general introduction of the research background, purpose, significance, research methods, innovation and deficiencies; The second part is the overview and literature review of intermediary business. This paper briefly introduces the concept, category, characteristics, risks and significance of intermediary business in promoting the internal development of commercial banks in China. And the former in the intermediate business theoretical research results are classified and summarized, a brief assessment; The third part is the focal point of this article, from the historical evolution, the operating environment, the own management present situation three aspects, has carried on the comparison to China, the United States commercial bank intermediate business one by one, and has carried on the analysis to the existence difference each kind of reason; On the basis of the above comparison, the fourth and fifth parts clearly point out the problem and put forward the plan to promote the development of intermediary business of commercial banks in China. The sixth part is the summary of the whole text.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2;F837.12

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