我國金融服务业的发展现状.docVIP

山东财经大学燕山学院学士学位论文PAGE PAGE 1山东财经大学燕山学院学士学位论文我国金融服务业的发展现状、问题及对策摘要近年来,我国金融服务业发展非常迅速,已经形成了以银行、证券、保险、信托服务为主体、其他相关金融服务为补充、相对来说比较完整的金融服务体系。但是与西方发达国家相比，在效率和竞争力上还有比较大的差距,在发展过程中依然存在很多的问题。本篇论文主要分析了我国金融服务业的发展现状以及存在的问题,并給出了改善我国金融服务业现状的对策。?关键词：金融；服务业；问题；对策?Our country present situation, problems and countermeasures of the financial services industryAbstract?In?recent?years,?Chinas?financial?service?industry??develops?rapidly,?having?formed bank,?securities,?insurance,?trust?services?as?the?main?body,?other?related?financial?services?as?a?supplement,?a?relatively?complete?system?of?financial?services.?But?compared?with?developed?western?countries,?Chinas?financial?services?industry’s?efficiency?and?competitiveness?is?still?a?big?gap,?in?the?development?process?there?are?still?many?problems.?This?paper?mainly?analyzes?the?financial?services?industry?in?China?as?well?as?the?current?situation?of?Chinas?financial?service?industry?existence?question,?and?puts?forward?the?improvement?of?Chinas?financial?service?industry?development?policy?recommendations.?Key?Words：?Finance; Services;?Problem; Countermeasures?PAGE 6目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc414565610 一、我国金融服务业的现状 PAGEREF _Toc414565610 \h 1 HYPERLINK \l _Toc414565611 （一）有关概念 PAGEREF _Toc414565611 \h 1 HYPERLINK \l _Toc414565612 1.金融业 PAGEREF _Toc414565612 \h 1 HYPERLINK \l _Toc414565613 2.金融服务 PAGEREF _Toc414565613 \h 1 HYPERLINK \l _Toc414565614 （二）当前我国金融服务业发展现状 PAGEREF _Toc414565614 \h 1 HYPERLINK \l _Toc414565615 （三）外商投资在金融业逐步升温 PAGEREF _Toc414565615 \h 1 HYPERLINK \l _Toc414565616 （四）金融业成为外资并购的重点 PAGEREF _Toc414565616 \h 1 HYPERLINK \l _Toc414565617 二、我国金融服务业存在的问题 PAGEREF _Toc414565617 \h 2 HYPERLINK \l _Toc414565618 （一）我国金融服务业总体水平较低 PAGEREF _Toc414565618 \h 2 HYPERLINK \l _Toc414565619 （二）金融创新不足 PAGEREF _Toc414565619 \h 2 HYPERLINK \l _Toc414565620 （三）人力资本质量较低 PAGEREF _Toc414565620 \h 2 HYPERLINK \l _Toc414565621 1.商业银行工资支出比重较低 PAGEREF _Toc414565621 \h 3 HYPERLINK \l _Toc414565622 2.内资金融机构效率更低 PAGERE