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商业银行发展中间业务对策研究
1.5万字
原创毕业论文，仅在本站独家提交，大家放心使用
目录
摘要.....................................................................................................................2
Abstract.............................................................................................................3
引言.......................................................................................................................4
第1章 中间业务的有关概述......................................................................................5
1.1中间业务的概念 ……………………………………………………………………….5
1.2中间业务的分类.................................................................................................5
1.3中间业务在商业银行发展中的重要作用………………………………………….8
1.3.1有利于商业银行防范和分散风险………………………………………………8
1.3.2有利于商业银行提高自身竞争力………………………………………...9
1.3.3有利于商业银行开拓新的利润增长点…………………………………...9
1.3.4有利于商业银行降低成本……………………………………..…...……..9
1.3.5有利于商业银行塑造良好的公众形象………………………………….10
第2章 我国商业银行中间业务的现状及不足………….…………………………11
2.1我国商业银行中间业务的发展历程……………………………………...…11
2.2我国商业银行中间业务的现状………………………………………...……11
2.3我国商业银行中间业务的不足……………………………………………...14
2.3.1中间业务品种少………………………………………………………….14
2.3.2创新能力不足…………………………………………………………….14
2.3.3缺乏科学有效的管理…………………………………………………….15
2.3.4普遍缺乏复合型人才…………………………………………………….15
2.3.5中间业务操作系统技术落后…………………………………………….16
2.3.6商业银行没能认识到中间业务的重要性……………………………….16
第3章 影响我国商业银行中间业务发展的因素…………………………………17
3.1商业银行缺乏利益驱动力…………………………………………………...17
3.2我国商业银行经营环境不成熟……………………………………………...17
3.3没有调整自身经营观念............……………………………………………...17
3.4符合时代需求的人才的匮乏………………………………………………...18
3.5相关法律法规不健全.......................................................................................18
3.6分业经营政策限制了中间业务的发展空间………………………………...19
第4章 我国商业银行中间业务发展的对策和建议………………………………20
4.1鼓励金融创新，丰富中间业务种类………………………………………...20
4.2改变传统营销观念…………………………………………………………...20
4.3完善商业银行内部风险防范机制…………………………………………...21
4.4加快培养符合时代需求的优质复合型人才………………………………...21
4.5完善相关法律法规，加强管理……………………………………………...22
4.6尝试适度混业经营…………………………………………………………...22
结束语………………………………………………………………………………..23
参考文献………………………………………..……………………………………………….24
[摘要]中间业务是商业银行日常业务的重要组成部分，商业银行大力发展中间业务是国际金融业发展的主要趋势。我国商业银行业近年来发展迅速，朝着现代商业银行转型，中间业务也取得了显著的发展，但与国外商业银行相比还有很大的差距。在我国加入WTO后，外资银行大举进入我国，国内商业银行通过资产负债业务获利压力日渐增大，大力发展中间业务成为我国商业银行当前发展目标的重中之重，因此采取什么对策去发展中间业务具有重要意义。本文探讨了我国商业银行中间业务发展的现状和不足，从中分析影响中间业务发展的因素。通过对法律法规是否健全、创新能力强弱、营销观念、风险防范等方面的研究，提出相应的发展对策。
[关键词]中间业务；商业银行；金融创新；风险防范机制
The Strategies of Commercial Banks in Developing the Intermediate Business
Abstract: As intermediate business turns into an important part in the daily business of commercial banks, to fully develop it becomes the major trend of international financial industry. In recent years, the commercial banks in China have been rapidly developing towards the modernization which leads to the remarkable progress of the intermediate business, but there is still an obvious disparity while comparing with foreign commercial banks. After China’s accession to the WTO, foreign commercial banks aggressively came into its financial industry. The assets and liabilities business of domestic commercial banks have been becoming so difficult in gaining profits that developing intermediate business becomes their task of top priority. Therefore, taking appropriate strategies plays an important role in developing intermediate business. This paper discusses the current situations and insufficient of domestic commercial banks’ intermediate business, analyzing the factors that affecting the development of it. Through the study in aspects of laws..
1.5万字
原创毕业论文，仅在本站独家提交，大家放心使用
目录
摘要.....................................................................................................................2
Abstract.............................................................................................................3
引言.......................................................................................................................4
第1章 中间业务的有关概述......................................................................................5
1.1中间业务的概念 ……………………………………………………………………….5
1.2中间业务的分类.................................................................................................5
1.3中间业务在商业银行发展中的重要作用………………………………………….8
1.3.1有利于商业银行防范和分散风险………………………………………………8
1.3.2有利于商业银行提高自身竞争力………………………………………...9
1.3.3有利于商业银行开拓新的利润增长点…………………………………...9
1.3.4有利于商业银行降低成本……………………………………..…...……..9
1.3.5有利于商业银行塑造良好的公众形象………………………………….10
第2章 我国商业银行中间业务的现状及不足………….…………………………11
2.1我国商业银行中间业务的发展历程……………………………………...…11
2.2我国商业银行中间业务的现状………………………………………...……11
2.3我国商业银行中间业务的不足……………………………………………...14
2.3.1中间业务品种少………………………………………………………….14
2.3.2创新能力不足…………………………………………………………….14
2.3.3缺乏科学有效的管理…………………………………………………….15
2.3.4普遍缺乏复合型人才…………………………………………………….15
2.3.5中间业务操作系统技术落后…………………………………………….16
2.3.6商业银行没能认识到中间业务的重要性……………………………….16
第3章 影响我国商业银行中间业务发展的因素…………………………………17
3.1商业银行缺乏利益驱动力…………………………………………………...17
3.2我国商业银行经营环境不成熟……………………………………………...17
3.3没有调整自身经营观念............……………………………………………...17
3.4符合时代需求的人才的匮乏………………………………………………...18
3.5相关法律法规不健全.......................................................................................18
3.6分业经营政策限制了中间业务的发展空间………………………………...19
第4章 我国商业银行中间业务发展的对策和建议………………………………20
4.1鼓励金融创新，丰富中间业务种类………………………………………...20
4.2改变传统营销观念…………………………………………………………...20
4.3完善商业银行内部风险防范机制…………………………………………...21
4.4加快培养符合时代需求的优质复合型人才………………………………...21
4.5完善相关法律法规，加强管理……………………………………………...22
4.6尝试适度混业经营…………………………………………………………...22
结束语………………………………………………………………………………..23
参考文献………………………………………..……………………………………………….24
[摘要]中间业务是商业银行日常业务的重要组成部分，商业银行大力发展中间业务是国际金融业发展的主要趋势。我国商业银行业近年来发展迅速，朝着现代商业银行转型，中间业务也取得了显著的发展，但与国外商业银行相比还有很大的差距。在我国加入WTO后，外资银行大举进入我国，国内商业银行通过资产负债业务获利压力日渐增大，大力发展中间业务成为我国商业银行当前发展目标的重中之重，因此采取什么对策去发展中间业务具有重要意义。本文探讨了我国商业银行中间业务发展的现状和不足，从中分析影响中间业务发展的因素。通过对法律法规是否健全、创新能力强弱、营销观念、风险防范等方面的研究，提出相应的发展对策。
[关键词]中间业务；商业银行；金融创新；风险防范机制
The Strategies of Commercial Banks in Developing the Intermediate Business
Abstract: As intermediate business turns into an important part in the daily business of commercial banks, to fully develop it becomes the major trend of international financial industry. In recent years, the commercial banks in China have been rapidly developing towards the modernization which leads to the remarkable progress of the intermediate business, but there is still an obvious disparity while comparing with foreign commercial banks. After China’s accession to the WTO, foreign commercial banks aggressively came into its financial industry. The assets and liabilities business of domestic commercial banks have been becoming so difficult in gaining profits that developing intermediate business becomes their task of top priority. Therefore, taking appropriate strategies plays an important role in developing intermediate business. This paper discusses the current situations and insufficient of domestic commercial banks’ intermediate business, analyzing the factors that affecting the development of it. Through the study in aspects of laws..
