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论文编号：	514
作者编号：	2120052204
上传时间：	2008/6/18 14:27:39
中文题目：	我国商业银行发展中间业务的研究
英文题目：	the research of the developmen
指导老师：	肖沂
中文关键字：	商业银行;中间业务;混业经营
英文关键字：	commercial bank;intermediary b
中文摘要：	随着国内外金融市场竞争的日趋激烈，商业银行传统业务的存贷利差在逐步缩小，银行的生存受到了严重的威胁，出于求生本能，国际上商业银行从20世纪70年代末开始进行了艰难的转型，商业银行普遍认识到发展中间业务的重要战略意义。中间业务不但以其成本低、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。进入20世纪80年代以来，国际商业银行中间业务迅猛发展，成为商业银行新的利润增长点和竞争核心。在激烈的市场竞争中，如何通过中间业务的创新和发展，拓宽银行的市场空间，提高银行竞争力，正在成为国内外理论界和银行业关注的焦点。 本文首先对商业银行的中间业务进行了介绍，其次采用理论分析和数据挖掘相结合的方法，对我国目前商业银行中间业务的开展情况进行了回顾，总结出我国商业银行发展中间业务在商业银行自身和外部环境上两个方面存在的问题。带着这些问题，本文从宏观经济环境、商业银行法律和监管环境、银行监管体系、供给因素、需求因素几个方面对各国商业银行中间业务的发展进行了国际比较，其目的在于通过对不同经济社会环境的约束下，商业银行开展中间业务过程中体现出来的特点进行比较分析，从中归纳或者总结出我国商业银行发展中间业务中可能存在的诸如体制性、文化性和结构性缺陷。通过比较，本文归纳出西方商业银行发展中间业务的特点和经验，总结出导致上述问题的原因。在此基础上本文提出了切实可行的对策和建议，希望进一步促进我国商业银行中间业务的发展，扩大我国商业银行的收入来源，提升竞争力。
英文摘要：	Along with the fierce competition on the domestic and abroad financial market, the Commercial bank tradition business margin between deposit and loan rate reduced gradually, the bank survival has received the serious threat, due to the life instinct, the international Commercial bank started to carry on difficult reforming from the late-1970s, the Commercial bank has generally realized the important strategic significance of the developing intermediary business. The intermediary business not only brought the huge vigor to the modern commercial bank due to the character of low cost, high profit, few capital requested, avoiding the risk to a certain extent and so on, moreover played the role of serving customer, contacting customer, firming customer, and promoting tradition asset-liability business development. Since has entered for 1980s, the international commercial bank intermediary business had a rapid development, and it became the commercial bank new profit growth point and the competition core. In the intense market competition, how to open up the bank market space, enhance the bank competitive power, through the intermediary business innovation and the development, is becoming the focal point which the domestic and foreign theorists and the banking industry pay attention. This paper first give a presentation about commercial bank intermediary business. Next the paper uses the method which combines theoretical analysis and data mining to review the current development of commercial bank intermediary business, and summarizes the problems in aspect of commercial bank itself and exterior circumstance during the development of Chinese commercial bank intermediary business. Carrying these problems, this paper compares different countries’ development of intermediary business from several aspects, including the macroscopic economic environment, the commercial bank law and the supervision environment, bank supervision system, the supplies factor and demand factor. Through the comparison between the characteristics of developing intermediary business under different economic and society environment restraints, the paper aims to induce or summarize the potential systemic, cultural and structural defects of developing Chinese commercial bank intermediary business. After the comparison, this paper induces the characteristics and experiences attained by western countries commercial banks during their intermediary business development, and summarizes main causes of the above problems. At last, this paper proposes some practical and feasible countermeasure and suggestions in order to further speed up the intermediary business development of domestic commercial banks, expand domestic commercial banks’ source of income, and promote their competitive power.
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