商业银行中间业务经营水平研究

发布时间：2018-01-04 20:19

本文关键词：商业银行中间业务经营水平研究　出处：《山东大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来,国内各商业银行因中间业务低成本、低风险、高盈利的优势而将其视为经营的重点发展对象并在该领域展开激烈竞争。目前,加快中间业务的创新既成为各商业银行应对同业激烈竞争的外部需要,又是其自我完善发展的内部要求。为了在竞争中抢占更多市场份额,各银行不断调整战略,加大产品研发投入并配合施展多种营销策略。但从世界范围来看,作为西方商业银行的三大支柱性业务之一的中间业务,在我国银行体系中目前尚处于较低水平的发展阶段,且存在着多种问题。因此,本文的写作意义旨在通过回顾商业银行中间业务发展历程,分析中间业务发展的内外部坏境,在对比论证中揭露我国商业银行中间业务经营过程中显现出的矛盾和问题,进而在扩大中间业务盈利水平途径上为商业银行提供一条新的渠道。本篇论文包含六个章节：第一章为导论部分,该章节提出了所研究课题的背景、目的和商业银行发展中间业务的意义以及研究方法。在对国内外关于中间业务方面的研究观点及发表文献进行综合概括后,构建起本文的研究思路和写作的框架结构。第二章首先对商业银行中间业务的概念和类别进行概述,继而从金融创新和中间业务规划两个不同的视角陈述了相关的研究理论,并论述了商业银行大力发展中间业务的意义。通过回顾该业务的发展历程预测其未来的发展趋势。第三章将国内外商业银行及国内不同类型的商业银行中间业务发展情况从多角度进行比较与分析,在比较中展现我国商业银行中间业务发展弱势之处,最后讲述了比较的意义和启示。第四章分析了商业银行中间业务的现状,包括我国中间业务的收入、收费、人力资源及监管的现状。第五章在前文比较的基础上,结合M银行Z市分行具体案例情况,将中间业务在我国商业银行经营中存在的问题进行全面揭示。面对我国商业银行发展中间业务遇到的机遇与挑战,研究了中间业务发展所面临的不利因素。第六章主要结论、建议及研究展望,该章节首先得出了整篇论文的结论就是尽管中间业务发展参差不齐、问题障碍颇多,但其独有优势是银行其他传统业务所无法比拟的。因而国内外商业银行在该领域展开强烈竞争。我们可以看到：一方面,国内商业银行因对中间业务越来越重视并加大投入,发展效果显著。另一方面,目前中间业务的风险防范机制并不完善。中间业务的风险随着金融衍生产品的创新与发展日趋突出,为解决这一问题,我们要将风控工作贯穿在中间业务发展的全过程中。为此,论文分别从市场环境培育、发展层次提升两个方面为我国银行业提出了加快发展中间业务的相应建议及措施。文章最后对中间业务在我国未来发展道路做出展望。
[Abstract]:In recent years, due to the advantages of low cost, low risk and high profit of intermediate business, domestic commercial banks regard it as the key development object of operation and carry out fierce competition in this field. Speeding up the innovation of intermediary business is not only the external need of each commercial bank to deal with the fierce competition of the same industry, but also the internal requirement of its self-improvement development, in order to seize more market share in the competition. Banks constantly adjust their strategies, increase investment in product research and development and carry out a variety of marketing strategies. But from the world perspective, as one of the three pillar business of western commercial banks, intermediate business. At present, the banking system in our country is still in a low level of development, and there are many problems. Therefore, the purpose of this paper is to review the development of commercial banks' intermediate business. This paper analyzes the internal and external bad situation of the development of intermediary business, and exposes the contradictions and problems in the course of the intermediate business operation of Chinese commercial banks in the comparative demonstration. Furthermore, it provides a new channel for commercial banks to expand the profit level of intermediary business. This thesis consists of six chapters: the first chapter is the introduction, which proposes the background of the research. Purpose and commercial banks to develop intermediary business significance and research methods. After comprehensive summary of domestic and foreign research views on intermediate business and published literature. The second chapter summarizes the concept and category of intermediate business of commercial banks. Then from the financial innovation and intermediate business planning two different perspectives to describe the relevant research theory. The significance of developing intermediary business in commercial banks is discussed. The future development trend of commercial banks is forecasted by reviewing the development course of the business. In chapter three, commercial banks at home and abroad and different types of commercial banks at home and abroad are introduced. The development is compared and analyzed from many angles. In the comparison shows the weakness of the development of intermediate business of commercial banks in our country, and finally describes the significance and enlightenment of the comparison. Chapter 4th analyzes the current situation of intermediate business of commercial banks, including the income and fees of the intermediate business in our country. The present situation of human resources and supervision. Chapter 5th, on the basis of the previous comparison, combined with the specific case of M Bank Z City Branch. The problems of intermediary business in the management of commercial banks in China are fully revealed. Facing the opportunities and challenges encountered by the development of intermediate business in China's commercial banks. The main conclusions, suggestions and research prospects of the 6th chapter. This chapter first comes to the conclusion of the whole paper is that although the development of intermediary business is uneven. There are many obstacles, but its unique advantages are incomparable to other traditional banking business. Therefore, domestic and foreign commercial banks in this field to launch a strong competition. We can see: on the one hand. Because domestic commercial banks pay more and more attention to intermediary business and increase investment, the development effect is remarkable. On the other hand. At present, the risk prevention mechanism of intermediary business is not perfect. The risk of intermediate business is becoming more and more prominent with the innovation and development of financial derivatives, in order to solve this problem. We should run the risk control work through the whole process of the development of intermediary business. Therefore, this paper respectively from the market environment cultivation. This paper puts forward the corresponding suggestions and measures to speed up the development of intermediate business in China's banking industry from two aspects of upgrading the level of development. Finally, the paper makes a prospect of the future development of intermediate business in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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