中美商业银行发展中间业务的比较研究

发布时间：2018-11-13 12:22

【摘要】：随着竞争加剧,金融创新异军突起,西方商业银行逐渐摆脱以存贷款和利息收入为主要经营内容的传统银行经营模式,通过数百余年的积累,中间业务在西方商业银行业务中已经拥有了举足轻重的地位。相比之下,国内商业银行中间业务发展一直处于滞后状态,近年来由于国内利率市场化改革深入,利率弹性大大提高,利差不断收窄,以及“金融脱媒”现象的进一步渗透,迫使我国商业银行将注意力投向开发非利差型的中间业务,以拓展自身利润范围,提高收益水平与盈利稳定性,从而适应市场化改革发展的大环境。本文在归纳总结中外学者研究成果的基础上,从比较中、美两国商业银行中间业务差异的角度入手,选取工商银行、中信银行、南京银行、花旗银行,以及两国银行业数据,结合多类常用经济指标量化分析,系统地比较了两者之间的差异、分析存在的问题、并提出了具有针对性的解决方案,为今后的研究提供一定的参考。其中,第一部分绪论,概括地介绍了本文的研究背景、目的意义、研究方法、创新点及不足之处；第二部分中间业务的概况及文献综述,文中简要介绍了中间业务的概念、种类、特征、风险、以及中间业务对促进我国商业银行内在发展的重要意义,并对前人在中间业务方面的理论研究成果进行了分类归纳、简要评析；第三部分是本文的重点,从历史沿革、经营环境、自身经营现状3大方面,对中、美两国商业银行中间业务逐一进行了比较,并对存在的差异的各种原因进行了分析；第四、五部分在以上对比的基础上,明确指出问题所在并有针对性的提出促进我国商业银行发展中间业务的方案；第六部分是对全文的归纳总结。
[Abstract]:With the intensification of competition and the sudden emergence of financial innovation, Western commercial banks gradually get rid of the traditional banking business model, which mainly deals with deposit, loan and interest income, and through the accumulation of more than hundreds of years, Intermediary business has played an important role in western commercial bank business. In contrast, the development of intermediate business in domestic commercial banks has been lagging behind. In recent years, due to the deepening reform of the marketization of domestic interest rates, the elasticity of interest rates has been greatly improved, the spread of interest rates has been narrowing, and the phenomenon of "financial disintermediation" has been further infiltrated. The commercial banks of our country are forced to pay more attention to the development of non-interest-rate intermediary business in order to expand their profit range and improve the profit level and profit stability so as to adapt to the general environment of market-oriented reform and development. On the basis of summing up the research results of Chinese and foreign scholars, from the perspective of the differences between the commercial banks of the United States and the United States, this paper selects ICBC, CITIC Bank, Nanjing Bank, Citibank, and the banking data of the two countries. Based on the quantitative analysis of many kinds of commonly used economic indicators, this paper systematically compares the differences between the two, analyzes the existing problems, and puts forward a targeted solution, which provides a certain reference for future research. Among them, the first part of the introduction, the general introduction of the research background, purpose, significance, research methods, innovation and deficiencies; The second part is the overview and literature review of intermediary business. This paper briefly introduces the concept, category, characteristics, risks and significance of intermediary business in promoting the internal development of commercial banks in China. And the former in the intermediate business theoretical research results are classified and summarized, a brief assessment; The third part is the focal point of this article, from the historical evolution, the operating environment, the own management present situation three aspects, has carried on the comparison to China, the United States commercial bank intermediate business one by one, and has carried on the analysis to the existence difference each kind of reason; On the basis of the above comparison, the fourth and fifth parts clearly point out the problem and put forward the plan to promote the development of intermediary business of commercial banks in China. The sixth part is the summary of the whole text.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F837.12

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