中国农业银行xx县支行表外业务的发展现状及存在的问题分析毕业论文.doc

摘要

表外业务在现代商业银行业务结构中的地位日趋重要和显著，商业银行经营表外化己经和经营国际化、资本证券化一起成为国际金融业发展的三大趋势。为了适应国际和国内金融市场日益激烈的竞争环境，提高综合竞争力，发展表外业务己成为我国商业银行必然而现实的选择。然而我国商业银行表外业务发展还处在初级阶段，相对于西方商业银行来讲无论在业务品种、产品层次还是在管理手段等方面都还有很大的差距，因此必须加大表外业务创新的力度促进表外业务的发展。基于我国商业银行表外业务的现状和同西方商业银行在创新方面的比较，对我国商业银行表外业务创新问题进行一些深入的研究，已是非常必要和迫切。
本文综合运用了比较分析法、图表分析法、定性和定量分析法等研究方法，介绍了表外业务及创新的相关理论，阐述了我国商业银行发展表外业务的重要性，分析了我国商业银行表外业务经营的现状并对我国商业银行同西方商业银行表外业务的创新进行了比较，通过比较找出了差距，在借鉴西方商业银行成功经验的基础上，提出了表外业务创新的具体对策建议。

关键词：银行 表外业务 创新

Abstract


Off-Balance Sheet Activities (OBSA) plays a more and more important and remarkable role in the business structure of modern commercial bank, commercial bank management form the OBSA, the internationalized management and the capital stock certificate have become the three greatest trends of international financial industry development. In order to adapt the international and native increasing financial market competition environment, improve the synthesizes competition ability, the developing of OBSA has become the inevitable but reality choice for our country commercial bank. However the development of our country commercial bank OBSA is still in the place of the entry-level stage, compared with western commercial bank we still have a large gap in business species, product layer and manage means, etc. so we must strengthen the innovation of OBSA and promote the development of OBSA. According to the present condition of our country commercial bank OBSA business and the comparison with western commercial bank in the innovation, It becomes necessary and urgent to do some thorough researched in the innovation of the commercial bank OBSA.
This paper comprehensively made use of compare and analytical method, method and qualitative and quantitative analysis method etc, introduced OBSA and innovation and related theories, elaborated the importance and risk to our country commercial bank develop OBSA, analyzed the present condition of our country commercial bank OBSA management, through the comparison with western commercial bank we found the gap with them. I put forward some related advice to the innovation of the OBSA on the foundation of the western commercial bank success.

Keyword: Commercial bank;
Off-Balance Sheet Activities(OBSA);
Inno

目录

摘要......................................................Ⅰ
ABSTRACT .................................................Ⅱ
第1章 绪论................................................5
1.1选题背景................................................5
1.2国内外研究现状..........................................6
1.2.1国外研究现状......................................6
1.2.2国内研究现状......................................6
1.3研究目的、意义及方法....................................7
1.3.1研究目的..........................................7
1.3.2研究意义..........................................8
1.3.3研究方法..........................................8
第2章 表外业务的概论
2.1表外业务的概念.........................................9
2.2 表外业务的特点........................................10
2.3表外业务的种类.........................................10
2.4 表外业务的意义........................................11
第3章中国农业银行XX县支行表外业务的发展现状及存在的问题
3.1xx县农业银行表外业务现状.............................13
3.2xx县农业银行表外业务存在的问题...................... 14
3.2.1收入所占比重低....................................14
3.2.2.业务品种单一.....................................15
3.2.3 业务技术落后 ....................................15
3.2.4业务管理不规范....................................16
第4章中国农业银行XX县支行表外业务的滞后的因素分析
4.1外部因素
4.1.1经营环境的约束..................................17
4.1.2分业管理体制的约束..............................18
4.1.3立法不完善的限制................................19
4.2内部因素
4.2.1经营理念陈旧....................................20
4.2.2体制改革滞后....................................21
4.2.3专业技术和人才的缺乏............................22
第5章优化中国农业银行XX县支行银行表外业务的策略
5.1完善内部管理机制................................... 23
5.2 提高创新的能力......................................24
5.3加大人才培养和技术力度..............................26
5.4 加强风险防范和金融监管..............................28
结束语 29
致谢 30
参考文献 32
附录1 35
附录2 38