商業(yè)銀行發(fā)展中間業(yè)務(wù)對(duì)策研究

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目錄
摘要.....................................................................................................................2
Abstract.............................................................................................................3
引言.......................................................................................................................4
第1章 中間業(yè)務(wù)的有關(guān)概述......................................................................................5
1.1中間業(yè)務(wù)的概念 ……………………………………………………………………….5
1.2中間業(yè)務(wù)的分類.................................................................................................5
1.3中間業(yè)務(wù)在商業(yè)銀行發(fā)展中的重要作用………………………………………….8
1.3.1有利于商業(yè)銀行防范和分散風(fēng)險(xiǎn)………………………………………………8
1.3.2有利于商業(yè)銀行提高自身競(jìng)爭(zhēng)力………………………………………...9
1.3.3有利于商業(yè)銀行開拓新的利潤(rùn)增長(zhǎng)點(diǎn)…………………………………...9
1.3.4有利于商業(yè)銀行降低成本……………………………………..…...……..9
1.3.5有利于商業(yè)銀行塑造良好的公眾形象………………………………….10
第2章 我國商業(yè)銀行中間業(yè)務(wù)的現(xiàn)狀及不足………….…………………………11
2.1我國商業(yè)銀行中間業(yè)務(wù)的發(fā)展歷程……………………………………...…11
2.2我國商業(yè)銀行中間業(yè)務(wù)的現(xiàn)狀………………………………………...……11
2.3我國商業(yè)銀行中間業(yè)務(wù)的不足……………………………………………...14
2.3.1中間業(yè)務(wù)品種少………………………………………………………….14
2.3.2創(chuàng)新能力不足…………………………………………………………….14
2.3.3缺乏科學(xué)有效的管理…………………………………………………….15
2.3.4普遍缺乏復(fù)合型人才…………………………………………………….15
2.3.5中間業(yè)務(wù)操作系統(tǒng)技術(shù)落后…………………………………………….16
2.3.6商業(yè)銀行沒能認(rèn)識(shí)到中間業(yè)務(wù)的重要性……………………………….16
第3章 影響我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的因素…………………………………17
3.1商業(yè)銀行缺乏利益驅(qū)動(dòng)力…………………………………………………...17
3.2我國商業(yè)銀行經(jīng)營(yíng)環(huán)境不成熟……………………………………………...17
3.3沒有調(diào)整自身經(jīng)營(yíng)觀念............……………………………………………...17
3.4符合時(shí)代需求的人才的匱乏………………………………………………...18
3.5相關(guān)法律法規(guī)不健全.......................................................................................18
3.6分業(yè)經(jīng)營(yíng)政策限制了中間業(yè)務(wù)的發(fā)展空間………………………………...19
第4章 我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的對(duì)策和建議………………………………20
4.1鼓勵(lì)金融創(chuàng)新，豐富中間業(yè)務(wù)種類………………………………………...20
4.2改變傳統(tǒng)營(yíng)銷觀念…………………………………………………………...20
4.3完善商業(yè)銀行內(nèi)部風(fēng)險(xiǎn)防范機(jī)制…………………………………………...21
4.4加快培養(yǎng)符合時(shí)代需求的優(yōu)質(zhì)復(fù)合型人才………………………………...21
4.5完善相關(guān)法律法規(guī)，加強(qiáng)管理……………………………………………...22
4.6嘗試適度混業(yè)經(jīng)營(yíng)…………………………………………………………...22
結(jié)束語………………………………………………………………………………..23
參考文獻(xiàn)………………………………………..……………………………………………….24


[摘要]中間業(yè)務(wù)是商業(yè)銀行日常業(yè)務(wù)的重要組成部分，商業(yè)銀行大力發(fā)展中間業(yè)務(wù)是國際金融業(yè)發(fā)展的主要趨勢(shì)。我國商業(yè)銀行業(yè)近年來發(fā)展迅速，朝著現(xiàn)代商業(yè)銀行轉(zhuǎn)型，中間業(yè)務(wù)也取得了顯著的發(fā)展，但與國外商業(yè)銀行相比還有很大的差距。在我國加入WTO后，外資銀行大舉進(jìn)入我國，國內(nèi)商業(yè)銀行通過資產(chǎn)負(fù)債業(yè)務(wù)獲利壓力日漸增大，大力發(fā)展中間業(yè)務(wù)成為我國商業(yè)銀行當(dāng)前發(fā)展目標(biāo)的重中之重，因此采取什么對(duì)策去發(fā)展中間業(yè)務(wù)具有重要意義。本文探討了我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀和不足，從中分析影響中間業(yè)務(wù)發(fā)展的因素。通過對(duì)法律法規(guī)是否健全、創(chuàng)新能力強(qiáng)弱、營(yíng)銷觀念、風(fēng)險(xiǎn)防范等方面的研究，提出相應(yīng)的發(fā)展對(duì)策。

[關(guān)鍵詞]中間業(yè)務(wù)；商業(yè)銀行；金融創(chuàng)新；風(fēng)險(xiǎn)防范機(jī)制


The Strategies of Commercial Banks in Developing the Intermediate Business
Abstract: As intermediate business turns into an important part in the daily business of commercial banks, to fully develop it becomes the major trend of international financial industry. In recent years, the commercial banks in China have been rapidly developing towards the modernization which leads to the remarkable progress of the intermediate business, but there is still an obvious disparity while comparing with foreign commercial banks. After China’s accession to the WTO, foreign commercial banks aggressively came into its financial industry. The assets and liabilities business of domestic commercial banks have been becoming so difficult in gaining profits that developing intermediate business becomes their task of top priority. Therefore, taking appropriate strategies plays an important role in developing intermediate business. This paper discusses the current situations and insufficient of domestic commercial banks’ intermediate business, analyzing the factors that affecting the development of it. Through the study in aspects of laws..