中美商业银行中间业务发展对比研究

发布时间：2018-01-01 20:09

本文关键词：中美商业银行中间业务发展对比研究　出处：《延边大学》2013年硕士论文　论文类型：学位论文

【摘要】：银行最初的主要收入来源是利率差,银行为应对经济发展带来的非银化现象,世界各国银行采取取消利率上限管制的策略。自由化、国际化和一体化在金融业的顺利发展,使得商业银行商品同质化问题逐渐浮出水面,商业银行在传统利差收入上的创新和拓展能力逐渐减弱,商业银行间面临着激烈的竞争,在此背景下,新利润增长点的探求一中间业务的开展和实行成为了各大商业银行得以生存的救命稻草,抓好中间业务的发展,意味着商业银行新发展方向的确立。近年来,由商业银行存贷款而带来的利润所占空间越来越小。银行的经营和运转面临着困境,要想摆脱这种困境,就需要摆脱对存贷款业务的依赖,寻找新的利润增长点,获得更多的利润来经营银行。中间业务便是顺应这一要求的产物,要想提高银行的盈利能力,就需要大力的开展符合市场需求的中间业务,以各商业银行固有的存贷款业务为依托,逐步的引入合适的中间业务,达到提高银行的盈利能力的目的。中间业务的处理担当的风险较小,投入的成本也比较少,而获得的利润较高,各国银行通过开展中间业务,在承担了较小风险的基础上,获得了较高的经济利润,因此,各国银行都纷纷效仿这一有效的手段,大力发展中间业务。将我国中间业务同外国中间业务相比,从发展的时间上进行比较,显然我国适合中间业务发展环境的形成较晚,从中间业务经营效果来看,外国中间业务的成长经历了长时期的考验,对于中间业务的处理相对较成熟,而我国中间业务由于起步晚,加之对个别中间业务处理过程中遇到了很多本土化的问题,因此我国商业银行对中间业务的开展并不成熟,业务处理上存在着缺点和不足。因此,为了促进中间业务的发展,需要从国外中间业务发展的整个过程和历史经验着手,对其进行分析和研究,探索适合我国发展环境的可行策略,促进我国中间业务的发展。本文以中美商业银行中间业务的发展状况为基础,通过比较美国和中国商业银行中间业务发展状况的各项指标,研究两者各自的特点,探讨和总结出中国商业银行中间业务发展存在的优势和问题,并以我国商业银行开展中间业务的相关数据为有力支撑,针对我国商业银行中间业务发展中存在的问题,参考美国商业银行中间业务的先进理论、方法等,提出几点有助于我国商业银行中间业务发展战略方向和策略。
[Abstract]:The first is the main source of income of the bank interest rates, bank for non silver phenomenon to deal with economic development, to cancel interest rate cap regulation strategy of World Bank. Liberalization, internationalization and integration of the smooth development of the financial industry, the commercial bank commodity homogenization problem gradually surfaced, the innovation in the traditional commercial bank interest income the ability to expand and gradually weakened, the commercial banks are faced with fierce competition, in this context, to explore a new profit growth point of the middle business development and implementation has become the major commercial banks to survive the life-saving straw, grasp the development of intermediate business, means the establishment of new direction of the development of commercial banks.
In recent years, the commercial bank loan and the profit space more and more small. The bank's management and operation is facing difficulties, to get out of this dilemma, you need to get rid of dependence on deposit and loan business, looking for new profit growth point, to obtain more profits to run the bank intermediary business is the product. To meet this requirement, in order to improve the profitability of banks, we need to vigorously carry out the intermediate business with the market demand, the inherent in each commercial bank deposit and loan business based on a gradual introduction of intermediate business right, to enhance the profitability of the bank.
Treatment of intermediate business as the risk is small, the cost is relatively small, and obtain higher profits, banks through the development of intermediary business, based on taking less risk, obtain higher economic profit, therefore, banks have to follow this effective means, vigorously develop intermediary business. Intermediary business in China with foreign intermediary business compared to comparison from the development time for our country, apparently formed late intermediate business development environment, from the business point of view, foreign intermediary business development has experienced a long period of test, for the treatment of intermediate business is relatively mature, but because of intermediary business in China started late, in addition to the individual intermediary business process encountered many localization problems, so China's commercial banks to intermediate business is not mature, the business processing. Shortcomings and shortcomings. Therefore, in order to promote the development of intermediary business, we need to start from the whole process and historical experience of foreign intermediary business development, analyze and research it, explore feasible strategies suitable for China's development environment, and promote the development of China's intermediary business.
This paper is based on the development of the intermediate business of commercial bank in the United States and China, by comparing the indicators of the development status of commercial banks in America and Chinese middle business, study their respective characteristics, the paper discusses and summarizes the advantages and problems of the development of intermediate business of commercial bank Chinese, related data and China's commercial banks to develop intermediate business is strong support for our country commercial bank middle business problems in the development of advanced theory, the intermediate business of commercial banks in the United States reference method, put forward some help to our country commercial bank middle business development strategy and strategic direction.

【学位授予单位】：延边大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F831.2;F832.2

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