我国商业银行发展中间业务分析

发布时间：2018-11-12 07:23

【摘要】：长久以来,我国商业银行以经营传统的存、贷款业务为主,相应地,利息收入便成了我国商业银行最主要的收入来源。而新兴的中间业务收入比重普遍较低。随着金融业务的不断完善发展,商业银行中间业务呈快速上升趋势,我国银行业的盈利模式不断发生改变。利息收入占比与中间业务收入比重呈现此消彼长的态势,中间业务收入在总收入中也占有举足轻重的地位。本文选择了研究我国商业银行中间业务发展路程,剖析发展现状,分析中间业务发展缓慢的原因,提出大力发展中间业务的对策,具有重要的应用价值。本文采用了定性分析与定量分析相结合的方法阐述了中间业务在银行业务中的作用。笔者采集了以工行、中行、建行、交行为代表的大型国有商业银行；以招商、中信、民生、浦发、兴业、光大、华夏、深发为代表的股份制商业银行以及以北京、南京、宁波为代表的上市城商行的年报数据,从总量和结构上分析了各商业银行中间业务收入的情况。采用定性与定量分析相结合的方法阐述了中间业务在银行业务中越来越重要的作用。同时从金融脱媒的影响、商业银行竞争的需要、存贷利差减少的后果、巴塞尔协议的影响、细化银行考核的结果五个方面论述了我国商业银行需要大力发展中间业务的必要性,分析了我国商业银行中间业务发展存在的问题,诸如中间业务品种少、层次低,品种结构还不够合理；中间业务服务收费标准执行不力,非理性竞争日益凸现；对中间业务风险的认识与计量不够；中间业务战略定位失误,银行考核导向偏差；专业人才队伍匾乏,自主创新能力不足；国内分业经营的限制,缺乏健全的金融市场。同时分析了影响我国商业银行中间业务发展的宏观和微观影响因素,并建立了我国商业银行中间业务发展影响因素的指标体系。针对上述论述,从转变经营观念调整经营战略、扩大商业银行经营规模、完善商业银行中间业务管理架构、改革考核方式、加强人力资源的储备和建设、提升商业银行中间业务管理能力、完善内部控制与风险防范措施等角度提出了商业银行发展中间业务的对策。
[Abstract]:For a long time, commercial banks in our country have been mainly engaged in traditional deposit and loan business. Accordingly, interest income has become the most important source of income for commercial banks in our country. But the emerging intermediary business income proportion is generally low. With the continuous improvement and development of financial business, the intermediate business of commercial banks is rising rapidly, and the profit mode of our country's banking industry is changing constantly. The proportion of interest income and the proportion of intermediate business income is increasing and decreasing, and the intermediate business income also plays a pivotal role in the total income. This paper chooses to study the development of intermediate business of commercial banks in China, analyzes the current situation of development, analyzes the reasons for the slow development of intermediate business, and puts forward the countermeasures to develop intermediary business vigorously, which has important application value. This paper uses the method of qualitative analysis and quantitative analysis to expound the role of intermediate business in banking business. The author collected large state-owned commercial banks represented by ICBC, Bank of China, China Construction Bank and Bank of Communications. Annual report data of joint-stock commercial banks represented by Merchants, Citic, Minsheng, Pufa, Societe Generale, Everbright, Huaxia and Shenfa, as well as listed city commercial banks represented by Beijing, Nanjing and Ningbo, From the total amount and structure of the analysis of the income of the intermediary business of commercial banks. This paper expounds the more and more important role of intermediate business in banking business by combining qualitative and quantitative analysis. At the same time, from five aspects of financial disintermediation, the need of commercial bank competition, the consequence of the decrease of deposit and loan interest margin, the influence of Basel Accord, and the result of detailed bank assessment, the necessity of developing intermediary business in China's commercial banks is discussed. This paper analyzes the problems existing in the development of intermediate business of commercial banks in China, such as the small variety of intermediate business, the low level, and the unreasonable variety structure. The implementation of intermediate service charging standard is weak, irrational competition is increasingly prominent, the understanding and measurement of intermediate business risk is not enough, the strategic positioning of intermediate business is wrong, and the bank assessment orientation deviation; Lack of professional personnel, lack of independent innovation ability, lack of domestic financial market. At the same time, this paper analyzes the macro and micro factors that affect the development of intermediate business of Chinese commercial banks, and establishes the index system of the influencing factors of the development of intermediate business of Chinese commercial banks. In view of the above exposition, from changing the management concept, adjusting the management strategy, expanding the scale of the commercial bank, perfecting the management structure of the intermediate business of the commercial bank, reforming the examination method, strengthening the reserve and construction of the human resources, From the angle of improving the management ability of intermediate business of commercial banks and perfecting the internal control and risk prevention measures, this paper puts forward the countermeasures of developing intermediate business in commercial banks.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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