我国商业银行中间业务发展的影响因素分析

发布时间：2018-03-18 14:06

本文选题：商业银行　切入点：中间业务　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：商业银行作为金融业乃至现代经济的中心,对一国的经济发展社会稳定有着至关重要的作用。改革开放后,我国商业银行逐步摆脱了中国人民银行单一统治的局面,开始走向市场化逐步完成股份改革,各银行开始不断拓展业务积极改善服务,但传统的借贷业务仍然是银行盈利的主要渠道仍然是银行最受重视投入最多的业务。进入新世纪以后,特别是中国加入世界贸易组织后中国特色社会主义市场经济的不断发展我国的商业银行面临着许多新的挑战。首先,商业银行业内竞争越来越激烈,一方面是外资银行不断进入带来的竞争与冲击,外资银行带来的竞争与冲击不仅仅是竞争主体数量上的,更是在商业银行服务质量、服务理念上的。另一方面是国内股份制银行、城市商业银行、民营银行的成立与崛起也增加了市场竞争的主体与竞争强度,商业银行的生存环境较之改革开放初期更加的复杂。其次,随着中国经济的不断发展市场化改革的逐步深化,商业银行的市场环境发生巨大变化。一是我国金融市场层级建设的不断完善,及互联网技术的不断发展金融脱媒现象愈加普遍,资金对流动通道有了更多的选择,这压缩了商业银行在金融市场上的生存空间。二是我国利率市场化改革的推进和金融监管的加强剧烈冲击了商业银行赖以生存的传统存贷业务,商业银行主要盈利手段的发展前景并不乐观。鉴于以上所述,积极拓展新的盈利渠道已成为商业银行的必然选择。而从我国商业银行的发展现状及国外银行的发展经验来看,中间业务是商业银行增加收入、引领银行未来发展的不二选择。本文通过定性分析与定量分析研究了我国商业银行中间业务的发展问题。本文首先对商业银行中间银行进行了概述,对商业银行中间业务的界定、分类及作用进行了介绍。其次对中国各类商业银行中间业务的现状进行了分析,并探究了其发展中存在的问题。接着对影响我国中间业务发展的因素进行了具体分析,并选取了6个变量,对14家商业银行的相关数据进行了实证检验同时对实证结果进行了分析。最后对研究结果进行了总结,并以前文的分析为基础对我国中间业务的发展提出相应的对策建议。
[Abstract]:As the center of the financial industry and even the modern economy, commercial banks play a vital role in the economic development and social stability of a country. After the reform and opening up, the commercial banks of our country gradually got rid of the single rule of the people's Bank of China. Beginning to move toward marketization and gradually completing the share reform, banks began to expand their business and actively improve their services. However, the traditional lending business is still the main channel for banks to make profits. In particular, with the continuous development of the socialist market economy with Chinese characteristics after China's entry into the World Trade Organization, our commercial banks are facing many new challenges. First, the competition within the commercial banking industry is becoming more and more intense. On the one hand, it is the competition and impact brought by the entry of foreign banks. The competition and impact brought by foreign banks is not only in the number of competitors, but also in the service quality of commercial banks. On the other hand, the establishment and rise of domestic joint-stock banks, urban commercial banks and private banks have also increased the main body and intensity of competition in the market. The living environment of commercial banks is more complex than that of the early stage of reform and opening up. Secondly, with the continuous development of the Chinese economy, the market-oriented reform has gradually deepened. Great changes have taken place in the market environment of commercial banks. First, with the continuous improvement of the financial market hierarchy construction in China, and the continuous development of Internet technology, the phenomenon of financial disintermediation is becoming more and more common, and funds have more choices for the flow channels. This has compressed the living space of commercial banks in the financial market. Second, the promotion of market-oriented interest rate reform and the strengthening of financial supervision have severely impacted the traditional deposit and loan business on which commercial banks depend for their survival. The development prospect of commercial banks' main profit means is not optimistic. In view of the above mentioned, it has become an inevitable choice for commercial banks to actively develop new profit channels. However, from the current development situation of commercial banks in China and the development experience of foreign banks, Intermediary business is the increase in income of commercial banks. This paper studies the development of intermediary business of commercial banks in China through qualitative analysis and quantitative analysis. The definition, classification and function of intermediary business of commercial banks are introduced. Secondly, the present situation of intermediary business of various commercial banks in China is analyzed. Then the factors that affect the development of intermediate business in China are analyzed, and six variables are selected. This paper makes an empirical test on the relevant data of 14 commercial banks and analyzes the empirical results. Finally, it summarizes the research results and puts forward corresponding countermeasures and suggestions on the development of intermediate business in China based on the above analysis.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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