我国商业银行中间业务发展问题及对策研究

发布时间：2018-01-18 01:21

本文关键词：我国商业银行中间业务发展问题及对策研究　出处：《哈尔滨商业大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国金融业全面开放,且我国商业银行由传统银行向现代商业银行转型步伐的不断加快,中间业务得到了国内商业银行前所未有的重视,许多银行将它定位于业务发展的重点,并在组织架构调整、资源配置等方面加大了支持力度,中间业务已成为国内商业银行业务发展的重要领域和中外银行市场竞争的焦点。然而,我国商业银行中间业务发展的状况与西方发达国家同业相比仍处于起步阶段,存在很大的差距；而且大多数新兴的中间业务技术含量高,因而中间业务及其创新也蕴含许多不同形式的特殊的金融风险。本文首先从传统银行业的脆弱性及其负外部效应入手,对西方商业银行中间业务发展的历史背景及其发展路径进行了研究,对商业银行中间业务发展的内涵和模式等进行界定；其次,分析了国有商业银行中间业务发展与体制转轨的逻辑关系,阐述了创新在国有商业银行中间业务发展中的内生动力作用,以中国建设银行北京市分行为例,运用SWOT分析方法分析了影响国有商业银行中间业务收入的宏观因素和微观因素,为国有商业银行的中间业务转型提供理论依据；再次,探讨了创新主导下的国有商业银行中间业务发展策略,包括经营理念、中间业务产品设计、不同类型产品的定价和服务机制等方面的创新；最后,根据中间业务风险的特殊性,在总结西方商业银行在中间业务风险管理方面的经验,包括美国次级贷款危机暴露出的商业银行在中间业务风险管理方面存在的问题的基础上,从内部控制和外部监管两个方面,提出了国有商业银行中间业务转型中的风险管理策略。因此,我国银行发展中间业务,要建立一个战略性考虑,不能片面地为降低不良贷款、提高利润而发展中间业务,并为此机械地制订相应的考核指标,并下达到各分支机构。一方面,银行不要忽视当前、并且在相当长的时期内我国仍然存在的十分庞大的贷款融资需求,发展中间业务要与我国金融市场的发展节奏合拍。另一方面,银行也要高瞻远瞩,要抓住当前良好的发展机遇,积极开展金融创新,稳妥、高效地开展中间业务。
[Abstract]:China's financial industry is fully open, and China's commercial banks from the traditional banks to modern commercial banks to accelerate the pace of transition, intermediary business has been unprecedented attention of domestic commercial banks. Many banks have positioned it as the focus of business development and increased their support in organizational structure adjustment, resource allocation, and so on. Intermediary business has become an important field in the development of domestic commercial bank business and the focus of market competition between Chinese and foreign banks. The development of intermediate business of commercial banks in China is still in its infancy compared with that of western developed countries, and there is a big gap between them. Moreover, most of the new intermediate business have high technical content, so the intermediate business and its innovation also contain many different forms of special financial risks. This paper begins with the fragility of traditional banking and its negative external effects, and studies the historical background and development path of the intermediate business development of western commercial banks. Define the connotation and mode of commercial bank intermediate business development; Secondly, it analyzes the logical relationship between the development of intermediate business and the system transition of state-owned commercial banks, and expounds the endogenous dynamic role of innovation in the development of intermediate business of state-owned commercial banks. Taking the Beijing branch of China Construction Bank as an example, this paper analyzes the macro and micro factors that affect the income of the intermediate business of state-owned commercial banks by using SWOT analysis method. To provide the theoretical basis for the intermediate business transformation of state-owned commercial banks; Thirdly, the paper discusses the innovation of intermediate business development strategy of state-owned commercial banks under the guidance of innovation, including business concept, intermediate business product design, pricing of different types of products and service mechanism. Finally, according to the particularity of intermediate business risk, it summarizes the experience of western commercial banks in intermediate business risk management. Including the sub-loan crisis in the United States exposed commercial banks in the intermediary business risk management problems on the basis of internal control and external supervision two aspects. This paper puts forward the risk management strategy of state-owned commercial banks in the transition of intermediate business. Therefore, in order to develop intermediary business, Chinese banks should establish a strategic consideration, not one-sidedly to reduce non-performing loans, increase profits and develop intermediary business, and mechanically formulate the corresponding assessment indicators. On the one hand, banks should not ignore the current, and in a very long period of time still exist in China's very large loan financing needs. On the other hand, banks should also be far-sighted, seize the current good development opportunities, actively carry out financial innovation, sound. Carry out intermediary business efficiently.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F224;F832.2

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