新形势下我国商业银行中间业务发展研究

发布时间：2018-05-14 09:50

本文选题：中间业务 + SWOT　；参考：《山东财经大学》2014年硕士论文

【摘要】：改革开放30多年来，我国银行业的经营模式一直是以存贷款业务为支柱，营业收入来源的大部分是净利息收入。相比于西方发达国家商业银行的中间业务，我国商业银行中间业务无论是业务规模还是产品种类及创新都处于初级发展阶段。随着我国金融体制改革和市场经济的深入发展，商业银行传统存贷业务规模及盈利能力受到遏制，中间业务必然是商业银行未来需要开拓的新领域。具体来说，在“十二五”经济转型、利率市场化深化、银行脱媒等外部环境的多向夹击下，商业银行仅依靠传统存贷利差收入难以保持长期竞争力，同时，在客户需求多元化、资本监管日趋严格、综合经营趋势明显、外资银行机构增加等形势倒逼下，品种单一，创新不足的中间业务已经不能适应新时代的发展需求，因此必须就我国银行业中间业务现状、影响因素及将来如何进一步发展中间业务作出研究。所以本文首先对中间业务进行概述，包括涵义、发展历程和种类，，然后展开了在新形势下我国商业银行中间业务现状分析，在此基础上利用面板数据模型对影响中间业务的因素进行实证分析，最后在前面理论及实证基础上对我国商业银行中间业务的发展提出合理化建议。在认清中间业务现状的前提下，结合当前形势分析影响中间业务发展的因素，提出相关建议，以期促进我国商业银行中间业务产品多样化且稳定发展，切实符合客户需求和提高我国银行竞争力。
[Abstract]:Since the reform and opening up for more than 30 years, China's banking industry has been operating on the basis of deposit and loan business, and the source of operating income is mostly net interest income. Compared with the intermediate business of commercial banks in western developed countries, the intermediate business of commercial banks in our country is in the primary stage of development, whether it is the scale of business, the type of products and the innovation. With the reform of the financial system and the development of the market economy, the scale and profitability of the traditional deposit and loan business of commercial banks are restrained, and the intermediate business is bound to be a new field to be developed by commercial banks in the future. Specifically, under the circumstances of the economic transformation of the 12th Five-Year Plan, the deepening of marketization of interest rates and the disintermediation of banks, it is difficult for commercial banks to maintain long-term competitiveness only by relying on traditional deposit and loan interest rate differentials. At the same time, the demand of customers is diversified. Capital supervision is becoming more and more stringent, the trend of comprehensive management is obvious, and the situation of the increase in foreign banking institutions is pressing down. The intermediate business, which has a single variety and insufficient innovation, can no longer meet the needs of the development of the new era. Therefore, it is necessary to study the present situation, influencing factors and how to further develop the intermediate business in China's banking industry. Therefore, this paper first summarizes the intermediate business, including the meaning, development process and types, and then analyzes the current situation of the intermediate business of commercial banks in our country under the new situation. On this basis, the panel data model is used to analyze the factors that affect the intermediate business. Finally, on the basis of the previous theory and empirical analysis, some reasonable suggestions are put forward for the development of the intermediate business of commercial banks in China. On the premise of recognizing the present situation of intermediate business, combining the current situation with the analysis of the factors affecting the development of intermediate business, this paper puts forward some relevant suggestions in order to promote the diversification and stable development of intermediate business products of commercial banks in China. To meet the needs of customers and improve the competitiveness of our banks.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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