本文選題：中間業(yè)務(wù) + SWOT��； 參考：《山東財經(jīng)大學(xué)》2014年碩士論文

【摘要】：改革開放30多年來，我國銀行業(yè)的經(jīng)營模式一直是以存貸款業(yè)務(wù)為支柱，營業(yè)收入來源的大部分是凈利息收入。相比于西方發(fā)達(dá)國家商業(yè)銀行的中間業(yè)務(wù)，我國商業(yè)銀行中間業(yè)務(wù)無論是業(yè)務(wù)規(guī)模還是產(chǎn)品種類及創(chuàng)新都處于初級發(fā)展階段。 隨著我國金融體制改革和市場經(jīng)濟的深入發(fā)展，商業(yè)銀行傳統(tǒng)存貸業(yè)務(wù)規(guī)模及盈利能力受到遏制，中間業(yè)務(wù)必然是商業(yè)銀行未來需要開拓的新領(lǐng)域。具體來說，在“十二五”經(jīng)濟轉(zhuǎn)型、利率市場化深化、銀行脫媒等外部環(huán)境的多向夾擊下，商業(yè)銀行僅依靠傳統(tǒng)存貸利差收入難以保持長期競爭力，同時，在客戶需求多元化、資本監(jiān)管日趨嚴(yán)格、綜合經(jīng)營趨勢明顯、外資銀行機構(gòu)增加等形勢倒逼下，品種單一，創(chuàng)新不足的中間業(yè)務(wù)已經(jīng)不能適應(yīng)新時代的發(fā)展需求，因此必須就我國銀行業(yè)中間業(yè)務(wù)現(xiàn)狀、影響因素及將來如何進一步發(fā)展中間業(yè)務(wù)作出研究。 所以本文首先對中間業(yè)務(wù)進行概述，包括涵義、發(fā)展歷程和種類，，然后展開了在新形勢下我國商業(yè)銀行中間業(yè)務(wù)現(xiàn)狀分析，在此基礎(chǔ)上利用面板數(shù)據(jù)模型對影響中間業(yè)務(wù)的因素進行實證分析，最后在前面理論及實證基礎(chǔ)上對我國商業(yè)銀行中間業(yè)務(wù)的發(fā)展提出合理化建議。在認(rèn)清中間業(yè)務(wù)現(xiàn)狀的前提下，結(jié)合當(dāng)前形勢分析影響中間業(yè)務(wù)發(fā)展的因素，提出相關(guān)建議，以期促進我國商業(yè)銀行中間業(yè)務(wù)產(chǎn)品多樣化且穩(wěn)定發(fā)展，切實符合客戶需求和提高我國銀行競爭力。
[Abstract]:Since the reform and opening up for more than 30 years, China's banking industry has been operating on the basis of deposit and loan business, and the source of operating income is mostly net interest income. Compared with the intermediate business of commercial banks in western developed countries, the intermediate business of commercial banks in our country is in the primary stage of development, whether it is the scale of business, the type of products and the innovation. With the reform of the financial system and the development of the market economy, the scale and profitability of the traditional deposit and loan business of commercial banks are restrained, and the intermediate business is bound to be a new field to be developed by commercial banks in the future. Specifically, under the circumstances of the economic transformation of the 12th Five-Year Plan, the deepening of marketization of interest rates and the disintermediation of banks, it is difficult for commercial banks to maintain long-term competitiveness only by relying on traditional deposit and loan interest rate differentials. At the same time, the demand of customers is diversified. Capital supervision is becoming more and more stringent, the trend of comprehensive management is obvious, and the situation of the increase in foreign banking institutions is pressing down. The intermediate business, which has a single variety and insufficient innovation, can no longer meet the needs of the development of the new era. Therefore, it is necessary to study the present situation, influencing factors and how to further develop the intermediate business in China's banking industry. Therefore, this paper first summarizes the intermediate business, including the meaning, development process and types, and then analyzes the current situation of the intermediate business of commercial banks in our country under the new situation. On this basis, the panel data model is used to analyze the factors that affect the intermediate business. Finally, on the basis of the previous theory and empirical analysis, some reasonable suggestions are put forward for the development of the intermediate business of commercial banks in China. On the premise of recognizing the present situation of intermediate business, combining the current situation with the analysis of the factors affecting the development of intermediate business, this paper puts forward some relevant suggestions in order to promote the diversification and stable development of intermediate business products of commercial banks in China. To meet the needs of customers and improve the competitiveness of our banks.
【學(xué)位授予單位】：山東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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