安徽省农村商业银行中间业务创新研究

发布时间：2018-03-05 18:42

本文选题：安徽　切入点：农村商业银行　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着利率市场化改革的不断深入,商业银行传统的信贷业务竞争日趋激烈,以存贷利差收入为主的固有盈利模式受到了极大的冲击。农村商业银行由于其区位和资源的限制,盈利能力很难超越同地区的国有银行和股份制商业银行。为了继续保持其市场竞争力,农村商业银行亟需进行业务结构的调整,从而达到盈利模式的转变。商业银行中间业务兴起于20世纪70年代的金融自由化和金融创新浪潮,其占用银行自身资源较少但盈利丰厚,是商业银行重要的新利润增长点。因此,农村商业银行应该大力发展中间业务,并对其发展模式进行创新和探索,努力加强自身盈利能力,优化资源配置,分散经营风险,提高综合竞争力。本文以安徽省农村商业银行为研究对象,对国内外关于商业银行中间业务的理论研究进行了回顾,并从中归纳出中间业务创新发展的理论基础。同时,本文通过分析省内几家具有典型示范性农村商业银行中间业务发展的实际情况,发现我省农村商业银行在中间业务创新发展中主要存在着中间业务产品较少、专业化人才匮乏、技术手段落后以及定价机制不完善等问题。本文又重点以合肥科技农村商业银行为例,发现其中间业务收入虽然逐年稳步增长,资源利用效率也有所提升,但仍存在中间业务收入占比低,业务品种少等问题。最后,本文结合案例分析,对安徽省农村商业银行中间业务创新发展的方向提出了一系列的针对性策略,如加大产品创新力度、提高人才投入、升级科技手段、完善定价机制等。
[Abstract]:With the deepening of interest rate marketization reform, the traditional credit business competition of commercial banks is becoming more and more fierce, and the inherent profit model, which is mainly on deposit and loan interest margin, has been greatly impacted. The rural commercial banks are restricted by their location and resources. It is difficult to outperform state-owned banks and joint-stock commercial banks in the same region. In order to maintain their market competitiveness, rural commercial banks urgently need to adjust their business structure. In 1970s, the intermediate business of commercial banks rose in the wave of financial liberalization and financial innovation. It is an important new profit growth point for commercial banks. Therefore, rural commercial banks should vigorously develop intermediate business, innovate and explore their development model, strive to strengthen their profitability, optimize the allocation of resources, and spread operational risks. This paper reviews the theoretical research on intermediate business of commercial banks at home and abroad, and concludes the theoretical basis of innovation and development of intermediate business, taking rural commercial banks of Anhui Province as the research object. Based on the analysis of the actual situation of the intermediate business development of several typical rural commercial banks in the province, it is found that there are few intermediate business products and lack of specialized talents in the innovation and development of the intermediate business in the rural commercial banks of our province. With the example of Hefei Rural Commercial Bank of Science and Technology, it is found that the revenue of intermediate business has increased steadily year by year, and the efficiency of resource utilization has also been improved. However, there are still some problems such as low proportion of intermediate business income and few kinds of business. Finally, this paper puts forward a series of targeted strategies for the innovation and development of intermediate business of rural commercial banks in Anhui Province. Such as increasing the strength of product innovation, improving talent input, upgrading scientific and technological means, and improving pricing mechanism.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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