本文關鍵詞： 商業(yè)銀行 中間業(yè)務 策略建議 風險管理　出處：《蘇州大學》2014年碩士論文　論文類型：學位論文

【摘要】：當下全球的金融界正在經歷著前所未有的變革，金融全球化、金融自由化、金融信息化已經成為大趨勢，市場的競爭變得越來越激烈，利息收入作為商業(yè)銀行的傳統(tǒng)盈利來源，權重正在大大減小。商業(yè)銀行的中間業(yè)務因為其風險小、成本低、收益高的特點，成為商業(yè)銀行增加利潤的重要途徑，中間業(yè)務已成為現(xiàn)代商業(yè)銀行的核心業(yè)務之一。本文研究的中間業(yè)務，是指不構成商業(yè)銀行表內資產、表內負債，形成銀行非利息收入的業(yè)務，其最基本的特征就是商業(yè)銀行以中間人的身份為客戶辦理收付、代理、咨詢和其他委托事項，提供各類金融服務并收取手續(xù)費。對我國商業(yè)銀行來說，發(fā)展中間業(yè)務具有十分重大的意義，，發(fā)展中間業(yè)務成為銀行拓寬贏利渠道，分散經營風險的主要手段，而發(fā)展中間業(yè)務又能進一步提高商業(yè)銀行的運營能力，在我國商業(yè)銀行發(fā)展歷程中起著關鍵性的作用。 本文以商業(yè)銀行中間業(yè)務的理論概念和中間業(yè)務的發(fā)展情況為起點，基于近幾年商業(yè)銀行的年報數(shù)據，詳細闡述了我國商業(yè)銀行中間業(yè)務發(fā)展的基本狀況，指出目前我國商業(yè)銀行中間業(yè)務發(fā)展中存在的突出問題，對這些問題產生的原因進行了分析，結合西方發(fā)達國家商業(yè)銀行的中間業(yè)務發(fā)展歷程和經驗借鑒，提出了策略建議，并對由這些中間業(yè)務的創(chuàng)新帶來的風險管理問題進行了闡述，給出了風險管理的幾點建議。
[Abstract]:At present, the global financial circles are undergoing unprecedented changes. Financial globalization, financial liberalization and financial informatization have become a major trend. The competition in the market has become more and more intense. Interest income is the traditional source of profits for commercial banks. Because of its low risk, low cost and high income, commercial banks are becoming an important way to increase their profits. Intermediary business has become one of the core business of modern commercial banks. The intermediate business studied in this paper refers to the business that does not constitute the assets in the balance sheet, liabilities in the balance sheet of the commercial bank, and forms the non-interest income of the bank. Its most basic feature is that commercial banks handle payment, payment, agency, consulting and other entrustment matters for their clients as intermediaries, provide various financial services and charge fees. For commercial banks in China, The development of intermediary business is of great significance. Developing intermediate business has become the main means for banks to broaden profit channels and spread the risk of operation. The development of intermediate business can further improve the operational ability of commercial banks. It plays a key role in the development of commercial banks in China. Based on the theoretical concept of intermediate business of commercial banks and the development of intermediary business, this paper expounds the basic status of the development of intermediary business in China, based on the annual report data of commercial banks in recent years. This paper points out the outstanding problems existing in the development of intermediate business of commercial banks in our country at present, analyzes the causes of these problems, and puts forward some strategic suggestions combining with the development course and experience of commercial banks in western developed countries. The risk management problems brought by the innovation of these intermediate business are expounded, and some suggestions of risk management are given.
【學位授予單位】：蘇州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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