中资银行中间业务创新与风险管理

发布时间：2018-04-13 10:40

本文选题：中间业务 + 业务创新　；参考：《天津大学》2012年硕士论文

【摘要】：银行的中间业务是利用本身已有是客户资源为客户提供金融服务，充分发挥自身优势而基本上不需要动用自有资金，银行业站在第三方的角度为客户办理业务提供服务。中间业务以商业银行在金融界内的信誉构成的无形资产为银行的经营资本，而不是以往的经营模式即以银行信贷资金为经营资本。本文从我国商业银行中间业务发展的现状开始分析，了解中间业务目前存在的问题，并且与国外西方银行发展相比发现中间业务发展存在很大的差距。明确在中间业务发展方面中资银行与西方银行的差距，以此借鉴西方国家银行中间业务的发展经验，进而推动中资银行中间业务的创新与发展。再结合目前国内的金融市场环境，提出中间业务发展及创新的必要性，实践和理论都认为中间业务发展是我国银行业发展的转折点和利润提升关键。本文研究重点在于银行中间业务创新，如何进行创新以及创新所带来的风险如何控制与管理。在创新带来的风险管理方面，先是根据实际经验判断出创新性存在哪些风险性，再选取相应的指标建立风险管理体系，通过指标体系研究创新所带来的风险。然后，选取11家我国内上市商业银行，计算指标体系中包含的各类指标，通过采用统计方法进行因子分析，进行分析银行各类风险性，最后提出风险创新的相关建议。本文旨在通过中间业务的研究促进中间业务创新，提高银行业的业务范围，转变依赖存贷差的利息收入的一种存在模式，，银行业应该重点关注中间业务的发展，它所带来利润前景是广阔的。
[Abstract]:The intermediate business of the bank is to provide the financial service for the customer by using its own customer resources, giving full play to its own advantages and basically not needing to use its own capital, the banking industry stands at the angle of the third party to provide the service for the customer to handle the business.The intangibles of commercial banks' credit standing in the financial field are regarded as the operating capital of the banks, rather than the operating capital of the banks' credit funds in the past.This paper begins with the analysis of the current situation of the development of intermediate business in commercial banks in China, and finds out that there is a big gap between the development of intermediate business and the development of foreign banks.The gap between Chinese banks and western banks in the development of intermediary business is clear, so as to draw lessons from the experience of the development of intermediary business in western countries, and then promote the innovation and development of intermediary business of Chinese banks.Combined with the current domestic financial market environment, this paper puts forward the necessity of intermediate business development and innovation. Both practice and theory think that intermediate business development is the turning point and the key to profit promotion of China's banking industry.This paper focuses on the innovation of bank intermediary business, how to carry out innovation and how to control and manage the risks brought by innovation.In the aspect of risk management brought by innovation, we first judge the risk of innovation according to the actual experience, then select the corresponding indicators to establish the risk management system, through the index system to study the risk brought by innovation.Then, 11 domestic listed commercial banks are selected to calculate all kinds of indexes contained in the index system. By using the statistical method to carry on factor analysis, to analyze the banks' various kinds of risks, and finally to put forward the relevant suggestions of risk innovation.The purpose of this paper is to promote the innovation of intermediary business, improve the scope of banking business, and change the existing mode of interest income which depends on the difference between deposit and loan. The banking industry should focus on the development of intermediate business.The profits it brings are promising.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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