淺析我国商业中间业务的发展策略毕业专业论文2593668.docxVIP

普 通 本 科 毕 业 论 文 题目：浅析我国商业中间业务的发展策略  毕业论文题 目 我国商业中间业务的发展与创新 学生姓名 专　业 金融学 学 号 指导老师 职 称 所在学院 金融学院 诚信承诺 本人慎重承诺和声明： 我承诺在毕业论文活动中遵守学校有关规定，恪守学术规范，在本人的毕业论文中未剽窃、抄袭他人的学术观点、思想和成果，未篡改研究数据，如有违规行为发生，我愿承担一切责任，接受学校的处理。 学生（签名）： 年 月 日 摘 要 随着我国市场经济和金融体制改革的深入发展，商业银行以经济资本为核心的风险与效益约束机制，以及以利润为最佳实现目标的综合经营发展模式正在逐步形成。巨大的存贷利差一直是我国商业银行盈利的基础。 然而，随着金融市场的开放，外资金融机构陆续进驻中国，鉴于外资银行的成熟市场经验，对中国银行业是一个很大的冲击。另外，国内非银行金融机构如雨后春笋，更加剧了银行业之间竞争的激烈程度。且传统项目的利差逐渐缩小，商业银行仅靠获得传统的存贷利差收入很难保持长期竞争力，因此商业银行不得不寻找新的利润增长点，由于中间业务具有风险小，利润高等优点，因此各家银行都将盈利的重点移到中间业务上。在此背景下，对我国商业银行中间业务的现状及发展状况的分析则显得很有必要。 【关键词】 商业银行；中间业务；策略 Abstract With the further development of Chinas market economy and the reform of the financial system, the economic capital as the core of the risks and benefits of restraint mechanism of commercial banks, and take the profit as the best to achieve the goals of the development of comprehensive management mode is gradually formed. Huge deposit-loan margin has been the basis of our country commercial bank profit. However, with the opening of the financial markets, foreign financial institutions have entered China, in view of the foreign banks experience of mature market, the banking industry of China is a very big impact. In addition, the domestic non-bank financial institutions such as bamboo shoots after a spring rain, intensified the competition among the banks. Spread and traditional project gradually narrowed, commercial banks only have traditional deposit and loan interest income is difficult to maintain long-term competitiveness, therefore commercial banks have to look for new profit growth point, the intermediate business has low risk, high profit, so banks will profit focus moved to the middle business. Under this background, analysis on the present status and development of intermediate business of commercial banks in China is very necessary. 【Key words】Commercial bank; intermediary business; strategy 目录 1 引言 3 1.1研究背景 3 1.2文献综述 3 1.3研究思路与结构 3 2中间业务的理论知识 3 2.1中间业务的定义 3 2.2中间业务的分类 3 2.3发展中间业务对我国商