电子银行中间业务的创新发展.docVIP

电子银行中间业务的创新与发展 摘 要：日益激烈的金融业竞争环境中，商业银行传统业务的利差收益正在不断的削减，发展空间也变得越来越小，顺应市场经济以及国际化金融业的发展，客观上要求我们要学会适应现代化的商业银行经营模式。中间业务收入已经成为新的商业银行经济增长点，资本市场以及利率市场的改革，加快了中间业务的占比，已然成为新的效益增长点。然而，以美国和欧洲的行业为例的国外商业银行，非利息收益占总收益的比重已经达到了49%，欧洲也已达46%，我国中间业务仍然具有很大的发展空间。顺应金融市场发展趋势，以及结合当今强大而低成本的互联网而诞生的电子化的银行业，本文着重借鉴国内外商业银行的成功经验，分析我国银行电子化商业运营模式以及影响制约我国银行业中间业务电子化发展的因素，结合我国国情和国内外各商业银行中间业务发展状况，对我国银行业中间业务的电子化进行分析研究，并提出一些相应的发展战略。 关键词：中间业务；商业银行；电子银行； Innovation and development of electronic banking intermediary business Abstract： The financial industry is increasingly fierce competitive environment , the spread of traditional commercial banking business income is constantly cuts, the development of space becomes smaller and smaller , follow the development of the market economy and the internationalization of the financial sector , the objective requires us to learn to adapt to the modern commercial bank business model. Intermediate business income has become a new economic growth point of the commercial banks , capital markets and interest rate market reform , accelerate the proportion of intermediary business , has become a new growth point . However , the United States and the European industry as an example of foreign commercial banks, non- interest income to total income proportion has reached 49% , Europe has reached 46% of intermediary business still has much room for development . Follow the development trend of financial markets, and the combination of todays powerful , low-cost Internet and the birth of electronic banking , the paper focuses on the successful experience of domestic and foreign commercial banks , analysis of electronic banking business model and the impact of constraints in the middle of the banking sector factor in the development of e-business , combined with China s national conditions and domestic and foreign commercial banks in the middle of business development of electronic banking in the middle of the business analysis and study, and make some corresponding development s