我国商业银行中间业务创新研究.pdfVIP

我国商业银行中间业务创新研究 摘 要 随着五年入世过渡期的结束，我国的银行业市场现已全面对外开放，外资银 行将在各个方面与我国商业银行展开激烈的搏杀。而中间业务作为现代银行业的 三大主营业务之一，目前是国际银行业发展最快的金融服务，而在我国却是一块 还未全面深入开发的领域，因此成为外资银行进军我国银行业的“突破口”，外 资银行借此逐步扩大他们在中国的经营范围和业务品种。 对我国商业银行而言，中间业务创新不仅仅是商业银行自身发展的内在要 求，也是我国商业银行增强自身竞争实力应对国内国际银行激烈竞争的外在要 求。本文在对我国商业银行及外国商业银行中间业务发展情况分析对比的基础 上，重点剖析了我国中间业务创新发展所面临的主要障碍，并提出促进中间业务 创新发展的若干对策与建议。我国商业银行只有采取有效措施，消除阻碍因素， 构筑配套的中间业务体系，提高我国商业银行中间业务发展和创新的能力，才会 在竞争中立于不败之地。 关键词：商业银行，中间业务，创新，建议 I 我国商业银行中间业务创新研究 Abstract Our financial market have been open to the outside world comprehensively as transition after China’s entry to the WTO is over, intense competition develop between foreign banks and Chinas Commercial Banks. As one of the three main business of Modern Banking, intermediary business is the fastest developing service in international banking, however it remains undeveloping in-depth in China. So foreign banks branching out by intermediary business which as the breakthrough point to China’s banking. Intermediary business innovation is not only the inherent need of banking growing, but also external need of strengthening our power to compete with foreign banks. Against this background, this discourse deeply analyses the main impediments to intermediary business innovation in China on the basis of a comparative analysis of the international and domestic intermediary business innovation situation. And the paper gives some corresponding solving method, and the suggestion of developing intermediary business innovation. Our Commercial Banks should adopt positive and effective measures to eliminate imp