我国商业银行中间业务的发展研究

发布时间：2018-02-07 09:59

本文关键词： 商业银行中间业务策略建议风险管理　出处：《苏州大学》2014年硕士论文　论文类型：学位论文

【摘要】：当下全球的金融界正在经历着前所未有的变革，金融全球化、金融自由化、金融信息化已经成为大趋势，市场的竞争变得越来越激烈，利息收入作为商业银行的传统盈利来源，权重正在大大减小。商业银行的中间业务因为其风险小、成本低、收益高的特点，成为商业银行增加利润的重要途径，中间业务已成为现代商业银行的核心业务之一。本文研究的中间业务，是指不构成商业银行表内资产、表内负债，形成银行非利息收入的业务，其最基本的特征就是商业银行以中间人的身份为客户办理收付、代理、咨询和其他委托事项，提供各类金融服务并收取手续费。对我国商业银行来说，发展中间业务具有十分重大的意义，，发展中间业务成为银行拓宽赢利渠道，分散经营风险的主要手段，而发展中间业务又能进一步提高商业银行的运营能力，在我国商业银行发展历程中起着关键性的作用。本文以商业银行中间业务的理论概念和中间业务的发展情况为起点，基于近几年商业银行的年报数据，详细阐述了我国商业银行中间业务发展的基本状况，指出目前我国商业银行中间业务发展中存在的突出问题，对这些问题产生的原因进行了分析，结合西方发达国家商业银行的中间业务发展历程和经验借鉴，提出了策略建议，并对由这些中间业务的创新带来的风险管理问题进行了阐述，给出了风险管理的几点建议。
[Abstract]:At present, the global financial circles are undergoing unprecedented changes. Financial globalization, financial liberalization and financial informatization have become a major trend. The competition in the market has become more and more intense. Interest income is the traditional source of profits for commercial banks. Because of its low risk, low cost and high income, commercial banks are becoming an important way to increase their profits. Intermediary business has become one of the core business of modern commercial banks. The intermediate business studied in this paper refers to the business that does not constitute the assets in the balance sheet, liabilities in the balance sheet of the commercial bank, and forms the non-interest income of the bank. Its most basic feature is that commercial banks handle payment, payment, agency, consulting and other entrustment matters for their clients as intermediaries, provide various financial services and charge fees. For commercial banks in China, The development of intermediary business is of great significance. Developing intermediate business has become the main means for banks to broaden profit channels and spread the risk of operation. The development of intermediate business can further improve the operational ability of commercial banks. It plays a key role in the development of commercial banks in China. Based on the theoretical concept of intermediate business of commercial banks and the development of intermediary business, this paper expounds the basic status of the development of intermediary business in China, based on the annual report data of commercial banks in recent years. This paper points out the outstanding problems existing in the development of intermediate business of commercial banks in our country at present, analyzes the causes of these problems, and puts forward some strategic suggestions combining with the development course and experience of commercial banks in western developed countries. The risk management problems brought by the innovation of these intermediate business are expounded, and some suggestions of risk management are given.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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