论促进我国商业银行中间业务创新的对策

发布时间：2018-01-02 15:33

本文关键词：论促进我国商业银行中间业务创新的对策　出处：《首都经济贸易大学》2013年硕士论文　论文类型：学位论文

【摘要】：在经济自由化和放松金融管制的背景下，西方商业银行逐渐将业务重心放在发展中间业务上。经过二十多年的努力，西方商业银行中间业务规模不断扩大，涉及范围广泛，收入增长迅速。反观我国商业银行，，传统的经营模式依旧占据主导地位，中间业务不仅规模小，品种少，而且技术含量低，收入占比不高。随着金融体制改革的深入和社会经济的发展对金融需求的推动，我国商业银行也逐步认识到中间业务发展的重要性，并积极利用现有资金、技术、人才、信息等方面的优势发展各类中间业务，使我国商业银行的中间业务有了明显的进步，但与发达国家商业银行相比，我国商业银行的中间业务还存在较大的差距。本文以我国商业银行中间业务的创新为研究对象，对我国商业银行中间业务发展的现状和存在的问题进行了深入的分析，认为我国商业银行中间业务发展过程中存在着诸如品种少、收入结构不合理；缺乏对市场细分，不能满足客户需求；缺少中间业务部门，管理机制落后；风险防范能力差，对中间业务风险的认识与防范不足；受到分业经营的限制，金融市场不健全；缺少相关法律法规的约束等问题。最后借鉴国外商业银行中间业务创新的先进经验，对如何促进我国商业银行中间业务的创新提出了相应的对策建议，认为应从完善法律法规，营造良好的经营环境；加强人才储备，完善中间业务管理机制；提高自身创新能力；做好市场定位和产品创新；完善内部控制与风险防范等方面采取切实的措施，以促进我国商业银行中间业务的创新。
[Abstract]:In the economic liberalization and deregulation of the industry under the background of western commercial banks will gradually focus on the business development of the intermediate business. After more than 20 years of efforts, the western commercial bank intermediary business continues to expand the scale, involving a wide range, rapid income growth. In contrast, China's commercial banks, the traditional business model is still occupy the dominant position. The intermediate business is not only small in scale, less varieties, and low technical content, the proportion of income is not high. With the development of financial system reform and the deepening of social economy and the financial needs of the commercial banks in China have gradually realized the importance of the development of intermediary business, and actively take advantage of existing capital, technology, talent, intermediate business advantage the development of various types of information and other aspects of the intermediate business of commercial banks in China has made significant progress, but compared with the commercial banks in developed countries, the intermediary business of our commercial banks There is still a big gap.
Based on the innovation of intermediate business of Chinese commercial banks as the research object, in-depth analysis of the status quo of the development of intermediate business of commercial banks in China and the problems that the development process of China's commercial bank intermediary business such as the existence of fewer varieties, the income structure unreasonable; lack of market segmentation, can not meet the needs of customers the lack of intermediate; business departments, management mechanism behind; risk prevention ability, understanding and prevention of the risk of intermediary business is insufficient; the limitations of the separate operation, the financial market is not perfect; the constraint problems such as the lack of relevant laws and regulations. Finally, learn from the advanced experience of the foreign commercial bank middle business innovation, the corresponding countermeasures and suggestions for innovation how to promote the intermediate business of commercial banks in China is put forward, that should improve the laws and regulations, to create a good business environment; strengthen the talent reserve, end It is good at intermediate business management mechanism, improving its own innovation ability, making good market positioning and product innovation, improving internal control and risk prevention, and taking effective measures to promote the innovation of intermediary business in China's commercial banks.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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