【摘要】：迫于我國經(jīng)濟(jì)發(fā)展方式轉(zhuǎn)型和經(jīng)濟(jì)全球化的形勢壓力,伴隨著我國加入WTO后金融機(jī)構(gòu)資本約束的提高和同業(yè)競爭的加劇,我國的商業(yè)銀行亟需通過多種方式發(fā)展中間業(yè)務(wù),以應(yīng)對日益激烈的市場競爭。然而,我國商業(yè)銀行多以傳統(tǒng)型中間業(yè)務(wù)為主,中間業(yè)務(wù)收入結(jié)構(gòu)仍較為落后,目前國內(nèi)學(xué)者們對中間業(yè)務(wù)的研究也越來越多,但是,關(guān)于某一特定商業(yè)銀行中間業(yè)務(wù)發(fā)展的研究基本沒有,更遑論形成體系。 本文首先從商業(yè)銀行開展中間業(yè)務(wù)的根本原因出發(fā),分別從企業(yè)多元化理論和協(xié)同效應(yīng)理論兩個(gè)方面進(jìn)行了闡述,并針對商業(yè)銀行中間業(yè)務(wù)的發(fā)展,得出中間業(yè)務(wù)發(fā)展的相關(guān)啟示。 其次,通過對中國農(nóng)業(yè)銀行內(nèi)蒙古分行中間業(yè)務(wù)的現(xiàn)狀特點(diǎn)分析,理清中國農(nóng)業(yè)銀行內(nèi)蒙古分行發(fā)展中間業(yè)務(wù)的內(nèi)外部環(huán)境,從而找出其發(fā)展中間業(yè)務(wù)存在的問題與原因。 再次,以中國農(nóng)業(yè)銀行內(nèi)蒙古分行研究樣本,首先利用趨勢圖說明中國農(nóng)業(yè)銀行內(nèi)蒙古分行中間業(yè)務(wù)收入與利潤之間的正相關(guān)關(guān)系,然后利用Eviews分析軟件,以2004-2013年的中國農(nóng)業(yè)銀行內(nèi)蒙古分行經(jīng)營情況和內(nèi)蒙古地區(qū)的經(jīng)濟(jì)指標(biāo)為樣本數(shù)據(jù),分析得出影響中間業(yè)務(wù)發(fā)展的主要因素。 最后,提出有效提高中國農(nóng)業(yè)銀行內(nèi)蒙古分行中間業(yè)務(wù)收入的對策及建議。從宏觀和微觀兩個(gè)方面出發(fā),有針對性的提出如何促進(jìn)中國農(nóng)業(yè)銀行內(nèi)蒙古分行中間業(yè)務(wù)發(fā)展的對策和措施,從而促進(jìn)中國農(nóng)業(yè)銀行內(nèi)蒙古分行的整體競爭力的提升。
[Abstract]:Under the pressure of economic development mode transformation and economic globalization, with the increase of financial institutions' capital constraint and the aggravation of interbank competition after China's entry into WTO, our commercial banks urgently need to develop intermediary business in many ways. To cope with the increasingly fierce market competition. However, most commercial banks in our country mainly focus on traditional intermediate business, and the income structure of intermediate business is still relatively backward. At present, there are more and more researches on intermediary business by domestic scholars, but, There is no research on the development of intermediary business in a particular commercial bank, let alone form a system. This paper starts from the fundamental reason of commercial bank developing intermediate business, and expounds the theory of enterprise diversification and the theory of synergetic effect respectively, and aims at the development of commercial bank intermediate business. Draw the relevant enlightenment of intermediary business development. Secondly, by analyzing the present situation of the intermediary business of the Agricultural Bank of China Inner Mongolia Branch, the paper clarifies the internal and external environment of the development of the intermediate business in the Inner Mongolia Branch of the Agricultural Bank of China, and finds out the problems and reasons for the development of the intermediate business. Thirdly, with the research sample of Agricultural Bank of China Inner Mongolia Branch, the positive correlation between intermediate business income and profit of Agricultural Bank of China Inner Mongolia Branch is first illustrated by trend chart, and then the Eviews analysis software is used. Based on the operating situation of Agricultural Bank of China Inner Mongolia Branch and the economic indicators of Inner Mongolia from 2004 to 2013, the main factors affecting the development of intermediate business are analyzed. Finally, the paper puts forward the countermeasures and suggestions to improve the income of intermediary business of Agricultural Bank of China Inner Mongolia Branch. From the macro and micro aspects, this paper puts forward the countermeasures and measures to promote the development of intermediate business in Inner Mongolia Branch of Agricultural Bank of China, so as to promote the overall competitiveness of the Inner Mongolia Branch of Agricultural Bank of China.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33

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