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论文编号：	286
作者编号：	2120062364
上传时间：	2008/12/11 20:31:21
中文题目：	我国商业银行中间业务管理研究－
英文题目：	Study on Intermediary Business
指导老师：	于斌 教授
中文关键字：	中间业务 短期融资券 商业银行
英文关键字：	Intermediary Business; Short-t
中文摘要：	20世纪80年代以来，西方发达国家商业银行的中间业务迅速发展起来，给西方商业银行乃至世界银行业带来了巨大的影响，非利息收入已经成为各国商业银行收入的重要组成部分。中间业务不仅以其成本低、收益高、对资本要求少并能在一定程度上规避风险等特点为现代商业银行带来了巨大的活力，而且起到了服务客户、联系客户、稳定客户、促进传统资产负债业务发展的作用。随着金融全球化和经济一体化进程的不断加快，作为现代商业银行三大业务种类之一的中间业务已经成为当今国际金融领域的发展趋势之一。 我国加入WTO后，外资银行进入中国金融市场的速度不断加快，与中资银行竞争与合作全方位展开。我国商业银行靠传统的存贷业务，已难以与外资银行竞争，必须开辟新的利润来源。另一方面，随着我国资本市场的迅速发展，以及国际金融市场发展带来的利率市场化趋势，使得传统存贷业务的盈利空间进一步受到挤压,利差收入开始出现萎缩。面对内忧外患，商业银行积极寻求新的效益增长点，大力发展中间业务成为其重要举措。 近几年，随着我国金融体制改革的不断深化和社会经济发展对金融需求的推动，我国商业银行开始重视中间业务的发展，逐步认识到中间业务作为商业银行支柱性业务之一的重要意义，并积极探索新的服务方式，倡导新的服务理念，大力拓展业务领域，使中间业务有了一定的发展。但与社会经济的发展对银行中间业务的要求，和西方商业银行发达的中间业务相比，无论是在规模上还是在质量上，我国商业银行的中间业务还存在很大差距。 本文首先概述了中间业务的概念、特点、分类及我国商业银行发展中间业务的重要意义。并在此基础上引导出了中间业务发展的理论背景，指出了这些金融业务创新理论对我国商业银行发展中间业务有着现实的指导意义。 其次，简单介绍了西方商业银行中间业务的发展背景，并从内部动因和外部动因两个方面系统分析了西方商业银行中间业务的发展历程。通过分析其发展现状，总结出了可供我国商业银行中间业务发展借鉴的国际经验。 然后，通过比较分析，揭示出我国与西方商业银行相比，中间业务在品种开发、中间业务收费、收入所占比重、管理等方面都存在一定差距。并分析了制约我国商业银行中间业务发展的内部、外部制约因素。通过我国商业银行与西方商业银行中间业务发展的差距原因分析，为推论出我国商业银行发展中间业务的相关策略奠定了必要的基础。 最后，通过对兴业银行中间业务发展历程的回顾，分析了兴业中间业务发展的现状，并采用比较分析法通过对比中西方商业银行中间业务发展，总结出兴业银行中间业务发展过程中所面临的困难和问题。针对兴业银行中间业务发展中的问题，提出了兴业银行进一步发展中间业务的相关策略。主要从管理体制、产品的整合与创新、产品的定价机制、市场营销策略、风险控制体系和人才科技支撑力度方面进行策略研究。
英文摘要：	From 1980's, intermediate business of Commercial Banks in Western developed countries Developed rapidly, which have a great effect on the western commercial banks and global banking industry. Non-interest income have been an important component of the income of commercial banks. Intermediate business has a low cost, a high yield, few requirements for capital and can avoid risks to some extent which bring great energy for modern commercial banks and play a great role in serving, linking and stabilizing customers and promoting traditional asset and liability business. With the development of financial globalization and economic integration, intermediate, as one of the three major types of business in modern commercial banks, has become one of the development trend in the international financial field. After China entry into WTO, foreign banks speed up their pace to enter China’s financial market to compete and carry through an all-round cooperation with China banks. Commercial banks in China now have many difficulties to compete with foreign banks only depending on traditional deposit and loan business, so they have to develop new profit sources. In another side, with the development of China’s capital market and the trend of market-directed interest rate influenced by the international financial market, it made our profits of asset and liability business declined. Faced to the domestic trouble and foreign invasion, our commercial banks actively seek new profit growth pole and develop intermediary business greatly to become their important measure. In recent years, with the reform of China’s financial system and the development of its economy, Chinese commercial banks have paid more attention to the intermediary business, because they begin to realize its important role. They try to provide there customers with new services through continuous financial innovation. As a result, their intermediary business has improved a lot. However, compared with that of the banks of west countries, the intermediary business of Chinese commercial banks is far behind in terms of both quality and quantity. Firstly, this paper introduces the concept, characteristics, classification and background theories of intermediary business, based on which the background theories of intermediary business development are introduced. These theories have practical significance for intermediary business development of commercial banks in china. Secondly, this paper briefly introduces the development background of western commercial banks and analyzes the development course of their intermediary business both interiorly and exteriorly, and concludes the international references for the development of intermediary business of commercial banks through analysis of current development of intermediary business of western commercial banks. Thirdly, through deep going analysis of comparison, this paper discloses the difference in development variety, operation charge, revenue proportion and management of intermediary business between Chinese and western commercial banks. In addition, it also analyzes the interior and exterior factors restricting the development of the intermediary business of our commercial banks. The relevant policies for developing the intermediary business of our commercial banks are introduced by investigating the causes from which the differences of the Development of intermediary business between Chinese commercial banks and western commercial banks are arising. Finally, through the development of the China Industrial Bank’s intermediary business Review, analyzed the current situation in intermediary business of China Industrial Bank. Selecting Commercial Banks in Western developed countries and China Industrial Bank to compare, summed up the difficulties and problems. Regarding the difficulties of the China Industrial Bank’s intermediary business, we can get the relevant strategy. Including the management merchants, product integration and innovation, marketing strategy, risk control, Talents and Technology.
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