盘锦市商业银行中间业务发展对策研究

发布时间：2018-03-03 22:34

本文选题：盘锦市商业银行　切入点：中间业务　出处：《东北大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着金融全球化的深入发展,外国银行逐渐进入我国,银行业的竞争越来越激烈,使得商业银行传统业务所带来的利润在逐渐减少,各银行将其发展目光投向了中间业务,中间业务在各银行业务中所占比例逐年提升,已成为现代商业银行的核心业务之一。这对于银行传统的资产负债式的经营模式提出了的挑战,加大力度发展中间业务已成为各大银行发展的重中之重。大力发展中间业务已成为未来银行发展的总体趋势,但在发展中间业务的过程中,就如何发展这个问题始终没有一个具体明确的答案。尤其是盘锦市商业银行在以往的经营中一直以资产负债业务为主,转向以发展中间业务为核心对盘锦市商业银行来说是个问题,这需要提高对中间业务的整体认识,了解中间业务的特点,不同的中间业务的风险和收益之间的区别,目前的社会大环境、经济环境、消费环境对中间业务的发展会形成哪些制约等。本文首先对中间业务的概念、种类、特点等进行了具体的介绍,然后从盘锦市商业银行的实际情况出发,全面分析了中间业务的发展现状、存在问题及制约中间业务发展的因素,最后针对问题具体分析,提出对策。发展中间业务是一个涉及面广,需要考虑很多因素的重大战略选择,如果逐条具体的分析,在这一篇文章中可能难以完成,也难以突出重点,本文选取了四个重点方面分析研究,即中间业务新产品开发,中间业务的管理机制,中间业务的定价方式,中间业务的风险防范等,通过对上述问题的讨论,提出一些对策,以保证在具体操作中更具针对性和可行性。
[Abstract]:With the further development of financial globalization, foreign banks gradually enter our country, the competition of banking is more and more fierce, which makes the profits brought by the traditional business of commercial banks gradually reduced, and the banks turn their attention to the intermediate business. The proportion of intermediary business in the banking business has been increasing year by year, which has become one of the core business of modern commercial banks. To strengthen the development of intermediary business has become the most important development of major banks. The development of intermediary business has become the general trend of bank development in the future, but in the process of developing intermediate business, There is never a specific and clear answer to the question of how to develop this issue. In particular, Panjin City Commercial Bank has always focused on its asset-liability business in the past. Turning to the development of intermediate business as the core is a problem for Panjin City commercial banks, which needs to enhance the overall understanding of the intermediary business, understand the characteristics of the intermediate business, and the difference between the risks and benefits of different intermediate businesses. What constraints will the social environment, economic environment and consumption environment form on the development of intermediate business? firstly, this paper introduces the concept, types and characteristics of intermediary business. Then proceeding from the actual situation of Panjin City Commercial Bank, this paper comprehensively analyzes the current situation of the development of intermediate business, the existing problems and the factors restricting the development of intermediate business. Development of intermediate business is a major strategic choice that involves a wide range of factors and needs to be considered. If specific analysis is carried out article by article, it may be difficult to complete and highlight the key points in this article. This paper selects four key aspects of analysis and research, namely, the development of new products of intermediate business, the management mechanism of intermediate business, the pricing mode of intermediate business, the risk prevention of intermediate business, and puts forward some countermeasures through the discussion of the above problems. In order to ensure that in the specific operation more targeted and feasible.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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