我国商业银行中间业务影响因素及发展策略研究

发布时间：2018-05-14 21:48

本文选题：商业银行 + 中间业务　；参考：《苏州大学》2012年硕士论文

【摘要】：在利率市场化，国内信贷政策不断收紧，严格的资本监管背景下，我国商业银行通过扩大资产规模，发展其传统存贷业务的获利空间将逐渐缩小，主要靠赚取存贷款利差的收益模式是不可持续的。本文基于寻找一套适合我国银行发展其中间业务策略为出发点，以银行中间业务的概念和类型为起点，从产品角度和收入角度分析了当前我国商业银行中间业务的发展现状，并在此基础上总结了我国商业银行中间业务的发展特点。同时运用时点固定效应模型分析了影响我国银行中间业务发展的因素。然后分析了我国银行中间业务在发展过程中存在的一些问题，并分析了产生这些问题的一些主客观的原因。然后借鉴了西方银行在发展其中间业务过程中的一些经验，，在此基础上提出了我国银行发展其中间业务的策略体系，首先是一些基本经营理念的转变，然后是基本的发展策略，包括创新银行中间业务的经营机制、完善商业银行中间业务的定价策略、细分客户与差别化服务、服务渠道转型与整合和创新银行中间业务的营销理念和营销手段。最后又根据不同的银行，提出其中间业务的发展侧重点和一些具体业务发展的具体策略。
[Abstract]:Under the background of marketization of interest rate, tightening of domestic credit policy and strict capital supervision, the profit space of Chinese commercial banks to develop their traditional deposit and loan business will be gradually reduced by expanding the scale of assets. Income patterns that rely mainly on earning interest rates on deposits and loans are unsustainable. Based on looking for a set of intermediate business strategy suitable for the development of Chinese banks, this paper takes the concept and type of banking intermediary business as the starting point, and analyzes the current development situation of the intermediate business of commercial banks in China from the perspective of product and income. On this basis, the development characteristics of intermediate business of commercial banks in China are summarized. At the same time, the paper analyzes the factors that influence the development of the intermediate business of Chinese banks by using the time point fixed effect model. Then it analyzes some problems existing in the development of banking intermediate business in our country, and analyzes some subjective and objective reasons for these problems. Then it draws lessons from some experiences of western banks in the process of developing their intermediate business, and then puts forward the strategic system of developing their intermediate business in our country, first of all, the transformation of some basic management concepts, then the basic development strategies. It includes innovating the management mechanism of the intermediate business of the bank, perfecting the pricing strategy of the intermediate business of the commercial bank, subdividing the customer and the differential service, transforming and integrating the service channel and innovating the marketing idea and marketing means of the intermediate business of the bank. Finally, according to different banks, put forward its intermediate business development focus and some specific business development strategies.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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