表外业务论文.docVIP

毕业论文 学 院 金融学院 班 级 学 号 姓 名 题 目 我国商业银行表外业务的创新与拓展 指导教师 （姓名及职称） **** 教授 [总评成绩： ] 我国商行表外业务的创新与拓展 金融学院 金融学专业12级6班 张指导老师：****教授 内容摘要：在存贷业务发展利润空间缩小及银行全能化的趋势中,为了提高我国商业银行的综合竞争力,发展表外业务是必然选择。另外随着我国银行业的全面开放,外资银行的进入加快了银行表外业务的发展步伐,使得表外业务发展缓慢的我国商业银行面临极大的挑战。因此,对我国商业银行表外业务进行研究意义重大。 本文以商业银行表外业务为研究对象,借鉴国外商业银行表外业务发展的经验,详细介绍我国商业银行表外业务发展现状,深度分析我国商业银行表外业务发展缓慢的制约因素,对商业银行表外业务范围经济进行实证分析,再对我国商业银行表外业务做出一些战略构想,最后针对性地提出对策建议。 关键词：商业银行，表外业务，创新，发展，对策 目 录 前言·······················································································1一、我国商行表外业务的现状···························································2（一）商行表外业务内涵································································2（二）我国商行表外业务的风险及风险防范·············································3（三）影响我国银行表外业务的主要因素···············································3二、我国商行表外业务创新与拓展的现状及障碍性因素································4（一）我国商行表外业务创新····························································4（二）我国商行表外业务创新与拓展的障碍性因素·····································4三、我国商行表外业务的对策及创新性发展············································5（一）发展我国商行表外业务的对策····················································5（二）我国商行表外业务的创新发展····················································6四、我国商业银行表外业务还有进一步发展的空间····································7（一） 满足客户多样化金融服务需求的需要···········································8（二）参与银行业市场激烈竞争的需要·················································8（三）参与银行业市场激烈竞争的需要·················································8五、小结··················································································9六、参考文献············································································10 前言 随着外资银行在我国金融市场经营范围的扩大，表外业务将成为外国与我国商业银行比拼的新战场。表外业务是上个世纪六十年代以来西方国家商业银行业务发展的重点，目前成为其获利的主要途径，开展表外业务不但可以为商业银行带来丰厚收益，还可以提高商业银行的社会化服务水平，大力发展表外业务是商业银行发展的必然选择。20世纪80年代后，以表外业务创新