50頁
摘要
在金融全球化背景下，隨著金融管制的放松，金融機(jī)構(gòu)間競爭的加劇，商業(yè)
銀行傳統(tǒng)資產(chǎn)負(fù)債業(yè)務(wù)的利差收入空間有限，銀行比以往更多地依賴于中間業(yè)務(wù)收
入，這已經(jīng)成為現(xiàn)代商業(yè)銀行是否具備可持續(xù)發(fā)展的一個(gè)重要標(biāo)志。中間業(yè)務(wù)可以
向商業(yè)銀行提供穩(wěn)定增長的收入流，較少受到經(jīng)濟(jì)周期的波動(dòng)性影響，有利于商業(yè)
銀行有效進(jìn)行資源整合，發(fā)揮對(duì)存貸款業(yè)務(wù)的聯(lián)動(dòng)作用。中間業(yè)務(wù)所表現(xiàn)的幾個(gè)突
出特征是:中間業(yè)務(wù)收入與總資產(chǎn)的比例隨著銀行規(guī)模而增加;增長速度遠(yuǎn)遠(yuǎn)超過
銀行資產(chǎn)的增長;國際大型銀行的中間業(yè)務(wù)發(fā)展快于中、小銀行。在20世紀(jì)的最后
50年當(dāng)中，商業(yè)銀行的中間業(yè)務(wù)收入呈現(xiàn)出高速增長，占主營收入比重不斷提高，
世界前50名銀行資產(chǎn)負(fù)債表中的“其他營業(yè)收入”對(duì)傳統(tǒng)的存貸利差收入的比例，
也在不斷提高。
傳統(tǒng)上以存貸款為主營業(yè)務(wù)的商業(yè)銀行順其時(shí)代發(fā)展潮流，要滿足對(duì)商業(yè)銀行
多元化的新需求，在金融需求與金融供給的均衡過程中，以擴(kuò)大商業(yè)銀行信用中介
范圍為主要內(nèi)容和特征的代理、擔(dān)保、承諾、信用證等逐漸發(fā)展起來，成為商業(yè)銀
行中間業(yè)務(wù)起步的標(biāo)志。
目前，國外商業(yè)銀行的中間業(yè)務(wù)已進(jìn)入成熟階段，我國理論界對(duì)我國商業(yè)銀行中
間業(yè)務(wù)發(fā)展的意義與必要性、市場開發(fā)的可能性都做了深入地探討，為我國商業(yè)銀行
的發(fā)展指明了方向。我國商業(yè)銀行中間業(yè)務(wù)也在近幾年開始起步，并且已經(jīng)看到了其
廣闊的發(fā)展前景，但總體開展進(jìn)度不夠理想，仍有很大的業(yè)務(wù)拓展空間。
筆者本篇論文闡述了我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀，借鑒國外銀行中間業(yè)務(wù)
的發(fā)展經(jīng)驗(yàn)，結(jié)合在中間業(yè)務(wù)部的工作實(shí)際，對(duì)從事過的資產(chǎn)管理、銀保合作、財(cái)務(wù)
顧問等中間業(yè)務(wù)產(chǎn)品進(jìn)行了重點(diǎn)論述，針對(duì)國有商業(yè)銀行中間業(yè)務(wù)發(fā)展中存在的難點(diǎn)
問題進(jìn)行了剖析，創(chuàng)新之處在于運(yùn)用對(duì)經(jīng)濟(jì)增加值的貢獻(xiàn)度作金融產(chǎn)品之間的對(duì)比，
解析中間業(yè)務(wù)發(fā)展的重要性，并就拓展進(jìn)度的具體對(duì)策進(jìn)行了探討。本文主要分為五
項(xiàng)內(nèi)容，分別為我國商業(yè)銀行中間業(yè)務(wù)的發(fā)展現(xiàn)狀及存在問題、國外商業(yè)銀行中間業(yè)
務(wù)的借鑒與經(jīng)驗(yàn)、中間業(yè)務(wù)發(fā)展的現(xiàn)實(shí)性、通過創(chuàng)新金融產(chǎn)品、整合營銷資源、建立
中間業(yè)務(wù)的發(fā)展機(jī)制等途徑作對(duì)解決我國商業(yè)銀行中間業(yè)務(wù)發(fā)展問題進(jìn)行了探討。
關(guān)鍵詞:中間業(yè)務(wù)資產(chǎn)管理商業(yè)銀行
引言···············································································
第一章我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀與存在問題··········
1.1我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀·······························
1.2我國商業(yè)銀行中間業(yè)務(wù)發(fā)展存在的問題····························
1.2.1主要存在問題的表現(xiàn)形式.·····································
1.2.2存在問題的成因分析.···········································
1.2.3中間業(yè)務(wù)與相關(guān)業(yè)務(wù)發(fā)展的關(guān)系····························
第二章中間業(yè)務(wù)的國外經(jīng)驗(yàn)與借鑒································
2.1國外銀行業(yè)中間業(yè)務(wù)的發(fā)展···········································
2.2國際上各類典型的資產(chǎn)管理業(yè)務(wù)分析·······························
2.2.1投資銀行資產(chǎn)管理業(yè)務(wù)·······································
2.2.2全能銀行資產(chǎn)管理業(yè)務(wù)··········································
2.2.3地區(qū)性銀行資產(chǎn)管理業(yè)務(wù)·······································
2.3對(duì)我國商業(yè)銀行開展理財(cái)類資產(chǎn)管理業(yè)務(wù)的啟示···············
2.3.1從管理層面分析················································
2.3.2對(duì)我國商業(yè)銀行發(fā)展理財(cái)業(yè)務(wù)的借鑒意義.··················
第三章我國商業(yè)銀行拓展中間業(yè)務(wù)的現(xiàn)實(shí)性························
3.1中間業(yè)務(wù)必然是金融業(yè)全面開放后中外銀行競爭的焦點(diǎn)······
3.2以經(jīng)濟(jì)增加值為核心的績效考評(píng)體系的需要·····················
第四章創(chuàng)新金融產(chǎn)品是中間業(yè)務(wù)拓展的關(guān)鍵·····················
4.1發(fā)展面向資本市場的證券業(yè)務(wù)····································
4.1.1政府財(cái)務(wù)顧問業(yè)務(wù)和國有資產(chǎn)管理顧問業(yè)務(wù)···············
4.1.2開發(fā)適合于商業(yè)銀行的投融資品種···························
4.2拓寬銀保合作領(lǐng)域····················································
4.2.1銀保市場營銷策略的關(guān)鍵要素·································
4.2.2銀保市場營銷策略應(yīng)用····································
4.2.3我國銀保營銷發(fā)展啟示·····································
4.3提供金融衍生產(chǎn)品服務(wù)，完善豐富個(gè)人金融業(yè)務(wù)品種及內(nèi)涵···
第五章整合營銷資源建立中間業(yè)務(wù)發(fā)展管理機(jī)制·············
參考文獻(xiàn)······································································
后記············································..