论我国商业银行中间业务法律风险防范

发布时间：2018-04-30 04:09

本文选题：商业银行 + 中间业务　；参考：《吉林财经大学》2015年硕士论文

【摘要】：随着国际经济一体化进程的深入,外资银行纷纷进入,凭接着雄厚的资本、完善的服务、先进的软硬件水平,对我国商业银行形成了巨大的冲击。而我国正处经济的转型期,实体经济需要更加综合化、系统化、多元化、个性化的金融服务,利率市场化使传统的存贷款业务利差更加缩小,对习惯依靠利息收入的我国商业银行形成了巨大的挑战。在此多种内外因的作用下,发展中间业务、增加非利息收入成为我国商业银行未来的发展趋势。随着各大银行纷纷将中间业务的开展提到了战略的高度,中间业务的法律风险防范问题已经成为一个重要的理论研究课题与不可避免的现实问题。本文首先对商业银行中间业务的概念和类型进行了理论概述,接着分析了我国商业银行中间业务的发展现状以及开展中间业务的必要性,并对国外良好的中间业务法制环境进行了分析评价,得出适宜良好的法律制度是中间业务发展的必要条件,由此阐述了我国商业银行发展中间业务面临的法律风险种类,最后本文在借鉴发达国家商业银行成功的经验基础上,从金融监管、商业银行内部建设以及法制建设三个层面上提出了一系列风险防范的措施。期望本文能够对我国商业银行中间业务的深入、稳定开展有所裨益。
[Abstract]:With the deepening of the process of international economic integration, foreign banks have entered one after another. With the abundant capital, perfect service, advanced software and hardware level, foreign banks have a great impact on our commercial banks. In the transition period of our economy, the real economy needs more comprehensive, systematic, diversified and individualized financial services, and the interest rate marketization makes the traditional deposit and loan interest rate difference more narrow. China's commercial banks, which are used to relying on interest income, have formed a huge challenge. Under the action of various internal and external factors, developing intermediate business and increasing non-interest income will become the future development trend of commercial banks in China. With the development of intermediary business raised to the strategic height, the legal risk prevention of intermediary business has become an important theoretical research topic and an inevitable practical problem. This paper first summarizes the concept and types of intermediary business of commercial banks, and then analyzes the current situation of the development of intermediary business of commercial banks in China and the necessity of carrying out intermediate business. By analyzing and evaluating the good legal environment of intermediate business abroad, it is concluded that a good legal system is a necessary condition for the development of intermediate business, and the types of legal risks faced by Chinese commercial banks in the development of intermediate business are expounded. Finally, based on the successful experience of commercial banks in developed countries, this paper puts forward a series of risk prevention measures from three aspects: financial supervision, internal construction of commercial banks and legal construction. It is expected that this paper will be beneficial to the deepening and stable development of the intermediate business of commercial banks in our country.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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