我国国有商业银行金融业务创新研究

发布时间：2018-05-08 06:02

本文选题：国有商业银行 + 金融业务创新　；参考：《东北师范大学》2013年硕士论文

【摘要】：金融业务创新通常是商业银行创新的最主要推动力，是金融创新的核心。国有商业银行是我国银行体系的主体，对我国经济金融的发展起着举足轻重的作用。本篇论文选取了我国国有商业银行的金融业务创新层面作为研究的重点。我国国有商业银行的业务创新起步较晚，还要应对加入WTO后金融业全面对外开放带来的巨大的冲击。要想在激烈的国际竞争中占据有利地位，，我国国有商业银行必须加快金融业务创新的步伐，努力创造出顾客需要的储蓄、理财、投资等业务的新品种，提升国际竞争力。因此，研究我国国有商业银行的金融业务创新对当前我国银行业具有重要的理论和现实意义。本文采用实例分析与论证结合的研究方法，在调研国内外相关金融创新理论和银行创新业务的基础上，着重分析了我国国有商业银行的资产业务、负债业务和中间业务的创新状况，深入探讨了我国国有商业银行金融业务创新存在的问题和制约因素，并提出了关于我国国有商业银行业务创新发展的一些具体措施和建议。本文的研究思路如下：第一部分为引言。包括背景、文献综述、框架以及创新和不足。第二部分为金融业务创新理论基础。阐明了金融创新和金融业务创新的涵义，重点介绍了与金融创新相关的理论。第三部分主要阐述我国国有商业银行金融业务创新的现状，具体分为资产业务、负债业务和中间业务的现状。第四部分研究了我国国有商业银行金融业务创新出现的问题，分析了影响金融业务创新的因素。我国国有商业银行金融业务创新目前存在着中间业务比重低、风险水平较高和业务创新水平低的问题，主要受产权模式、经营模式、科技水平和金融管制等因素制约。第五部分为加快我国国有商业银行金融创新业务的策略。通过拓展金融业务空间、加强金融风险控制、深化业务创新水平、改革产权模式、创新经营管理模式、大力提高科技水平以及加强人才培养七方面的举措，促进我国国有商业银行金融业务创新。
[Abstract]:Financial business innovation is usually the main driving force of commercial bank innovation and the core of financial innovation. State-owned commercial banks are the main body of China's banking system and play an important role in the development of China's economy and finance. This paper selects the innovation level of the financial business of our state-owned commercial banks as the focus of the research. The business innovation of state-owned commercial banks in our country starts late, and must deal with the huge impact of the financial industry opening to the outside world after China's entry into WTO. In order to occupy a favorable position in the fierce international competition, China's state-owned commercial banks must speed up the pace of financial business innovation, strive to create new types of savings, financial management, investment and other business needed by customers, and enhance the international competitiveness. Therefore, it is of great theoretical and practical significance to study the innovation of financial business of state-owned commercial banks in China. On the basis of investigating the relevant financial innovation theory and bank innovation business at home and abroad, this paper analyzes the assets business of state-owned commercial banks in China. This paper probes into the problems and restrictive factors existing in the innovation of the financial business of the state-owned commercial banks in China, and puts forward some concrete measures and suggestions on the innovation and development of the business of the state-owned commercial banks in China. The research ideas of this paper are as follows: The first part is the introduction. Includes background, literature review, framework, and innovation and deficiencies. The second part is the theoretical basis of financial business innovation. This paper expounds the meaning of financial innovation and financial business innovation, and emphatically introduces the theories related to financial innovation. The third part mainly elaborates the present situation of the financial business innovation of the state-owned commercial banks in China, including the assets business, the liability business and the intermediate business. The fourth part studies the problems of the financial business innovation of the state-owned commercial banks in China, and analyzes the factors that affect the financial business innovation. At present, the problems of low proportion of intermediate business, high risk level and low level of business innovation exist in the financial business innovation of state-owned commercial banks in China, which are mainly restricted by the property right mode, management mode, scientific and technological level and financial regulation and so on. The fifth part is the strategy of speeding up the financial innovation business of our state-owned commercial banks. By expanding the financial business space, strengthening financial risk control, deepening the level of business innovation, reforming the mode of property rights, innovating the mode of management and management, improving the level of science and technology and strengthening the training of talents, Promote the innovation of financial business of state-owned commercial banks in China.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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