【摘要】：銀行開(kāi)辦中間業(yè)務(wù)是社會(huì)經(jīng)濟(jì)和信用關(guān)系發(fā)展到一定階段的必然產(chǎn)物,是銀行適應(yīng)金融市場(chǎng)發(fā)展的必然結(jié)果。伴隨著金融全球化發(fā)展,各類(lèi)金融產(chǎn)品不斷衍生和創(chuàng)新,客觀上極大的推動(dòng)了銀行業(yè)中間業(yè)務(wù)的發(fā)展壯大。農(nóng)發(fā)行內(nèi)蒙古分行作為全區(qū)唯一一家政策性金融機(jī)構(gòu),在支持?jǐn)U大內(nèi)需,強(qiáng)化農(nóng)業(yè)基礎(chǔ),改善農(nóng)村民生等更是責(zé)無(wú)旁貸,更應(yīng)發(fā)揮農(nóng)業(yè)政策性金融優(yōu)勢(shì)。與此同時(shí),開(kāi)辦、發(fā)展中間業(yè)務(wù)具有資本占用低、業(yè)務(wù)風(fēng)險(xiǎn)低和綜合效益高等特點(diǎn),也應(yīng)成為農(nóng)發(fā)行內(nèi)蒙古分行拓展深掘的業(yè)務(wù)領(lǐng)域。中間業(yè)務(wù)收入對(duì)農(nóng)發(fā)行利潤(rùn)貢獻(xiàn)占比的提高,一方面可以提升農(nóng)發(fā)行的整體盈利能力,另一方面也有助于農(nóng)發(fā)行調(diào)整收入結(jié)構(gòu),提高抵御風(fēng)險(xiǎn)的能力。 國(guó)內(nèi)外銀行發(fā)展歷史經(jīng)驗(yàn)表明,中間業(yè)務(wù)發(fā)展水平已成為衡量一個(gè)銀行創(chuàng)新能力、服務(wù)能力和核心競(jìng)爭(zhēng)能力的重要標(biāo)志。農(nóng)發(fā)行要在同業(yè)競(jìng)爭(zhēng)中發(fā)揮自身的優(yōu)勢(shì)地位,要通過(guò)大力發(fā)展中間業(yè)務(wù)來(lái)實(shí)現(xiàn)收入結(jié)構(gòu)調(diào)整和完成經(jīng)營(yíng)戰(zhàn)略轉(zhuǎn)型。農(nóng)發(fā)行內(nèi)蒙古分行中間業(yè)務(wù)經(jīng)過(guò)近幾年的發(fā)展,中間業(yè)務(wù)收入實(shí)現(xiàn)了高速增長(zhǎng),取得了令人可喜的成績(jī)。但隨著行業(yè)競(jìng)爭(zhēng)日趨激烈,各商業(yè)銀行在中間業(yè)務(wù)已經(jīng)積累了先進(jìn)和豐富的經(jīng)驗(yàn)比較下,農(nóng)發(fā)行內(nèi)蒙古分行中間業(yè)務(wù)發(fā)展上還應(yīng)發(fā)揮農(nóng)業(yè)政策性金融機(jī)構(gòu)優(yōu)勢(shì),在業(yè)務(wù)品種、業(yè)務(wù)創(chuàng)新上下足功夫,做好文章。 本文以農(nóng)發(fā)行內(nèi)蒙古分行為研究對(duì)象,綜合運(yùn)用理論分析與比較分析等方法,將研究的焦點(diǎn)聚集于該行中間業(yè)務(wù)如何突破現(xiàn)階段發(fā)展瓶頸,積極探索可持續(xù)增長(zhǎng)的途徑。通過(guò)對(duì)農(nóng)發(fā)行內(nèi)蒙古分行中間業(yè)務(wù)發(fā)展現(xiàn)狀以及存在的主要問(wèn)題的深入剖析,結(jié)合相關(guān)中間業(yè)務(wù)發(fā)展理論啟示,提出現(xiàn)階段農(nóng)發(fā)行內(nèi)蒙古分行中間業(yè)務(wù)的發(fā)展思路、發(fā)展策略以及在實(shí)施過(guò)程中的風(fēng)險(xiǎn)防范措施。本文的研究對(duì)象是國(guó)有政策性銀行的一級(jí)分支機(jī)構(gòu),具有較強(qiáng)的代表性。因此,提出的發(fā)展策略對(duì)我國(guó)政策性銀行中間業(yè)務(wù)的進(jìn)一步發(fā)展具有一定的參考和借鑒意義。
[Abstract]:The intermediary business is the inevitable result of the development of social economy and credit relationship to a certain stage, and the inevitable result of the bank adapting to the development of financial market. With the development of financial globalization, all kinds of financial products continue to derive and innovate, which promotes the development of banking intermediary business. As the only policy-oriented financial institution in the whole region, Agricultural Development Bank Inner Mongolia Branch is duty-bound to support the expansion of domestic demand, strengthen the agricultural foundation and improve the people's livelihood in rural areas, and should give full play to the advantages of agricultural policy-oriented finance. At the same time, the development of intermediary business has the characteristics of low capital occupation, low business risk and high comprehensive benefit, which should also become the business field of Agricultural Development Bank Inner Mongolia Branch. On the one hand, the increase of the contribution of intermediate business income to the profit of Agricultural Development Bank, on the one hand, can enhance the overall profitability of the Agricultural Development Bank, on the other hand, it can also help the Agricultural Development Bank to adjust its income structure and improve its ability to resist risks. The development history of banks at home and abroad shows that the development level of intermediate business has become an important symbol of a bank's innovation ability, service ability and core competition ability. The Agricultural Bank of China (ABC) should exert its advantages in the competition of the same industry, and realize the adjustment of income structure and the strategic transformation of management by developing the intermediate business. After the development of intermediary business in Inner Mongolia Branch of Agricultural Development Bank in recent years, the income of intermediary business has achieved rapid growth and obtained gratifying results. However, with the increasingly fierce competition in the industry, the commercial banks have accumulated advanced and rich experience in the intermediary business, and the development of the intermediary business in the Agricultural Development Bank of Inner Mongolia Branch should also give play to the advantages of agricultural policy-oriented financial institutions in the variety of business. Business innovation on the next full effort, do a good job of the article. This paper takes the Inner Mongolia Branch of Agricultural Development Bank as the research object and synthetically applies the methods of theoretical analysis and comparative analysis to focus the research on how to break through the bottleneck of the current development of the intermediate business of the bank and actively explore the way of sustainable growth. Through the deep analysis of the present situation and the main problems of the intermediary business development of the Agricultural Development Bank of Inner Mongolia Branch, combined with the enlightenment of relevant intermediary business development theory, this paper puts forward the development ideas of the intermediate business in the Inner Mongolia Branch of the Agricultural Development Bank of China at the present stage. Development strategy and risk prevention measures in the process of implementation. The research object of this paper is the first-level branch of the state-owned policy bank, which has strong representativeness. Therefore, the proposed development strategy has a certain reference and reference significance for the further development of the intermediate business of policy banks in China.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 魏鵬;;我國(guó)上市銀行中間業(yè)務(wù)收入發(fā)展現(xiàn)狀——基于10家上市銀行2006—2007年年報(bào)數(shù)據(jù)[J];財(cái)經(jīng)科學(xué);2008年09期

2 李玉強(qiáng);;對(duì)我國(guó)大型商業(yè)銀行中間業(yè)務(wù)持續(xù)發(fā)展的戰(zhàn)略思考[J];金融論壇;2009年08期

3 韓琳;;商業(yè)銀行中間業(yè)務(wù)風(fēng)險(xiǎn)防范分析[J];經(jīng)營(yíng)管理者;2009年14期

4 郝繼忠;南玉敏;;農(nóng)發(fā)行中間業(yè)務(wù)渠道問(wèn)題探究[J];黑龍江金融;2010年11期

5 高健;;商業(yè)銀行中間業(yè)務(wù)產(chǎn)品定價(jià)方法的探討[J];價(jià)格月刊;2009年05期

6 黃軍勇;陸秋娥;;加快我國(guó)商業(yè)銀行中間業(yè)務(wù)發(fā)展的思考[J];市場(chǎng)論壇;2009年08期

7 李繼志;;發(fā)展國(guó)有股份制商業(yè)銀行中間業(yè)務(wù)的思考[J];經(jīng)濟(jì)研究導(dǎo)刊;2009年02期

8 張衛(wèi)民;汪洋;;私人銀行業(yè)務(wù)問(wèn)題研究:國(guó)際經(jīng)驗(yàn)及我國(guó)的路徑選擇[J];金融會(huì)計(jì);2010年07期

9 葛敏;;我國(guó)商業(yè)銀行中間業(yè)務(wù)的發(fā)展與創(chuàng)新[J];科技創(chuàng)業(yè)月刊;2007年11期

10 郭善求;劉文芳;;加快發(fā)展中間業(yè)務(wù)的思考[J];農(nóng)業(yè)發(fā)展與金融;2009年03期

，

本文編號(hào)：2363716