我国商业银行中间业务存在的问题及对策研究 金融学业本科毕业论文.docVIP

我国商业银行中间业务存在的问题及对策研究 摘要：从20世纪90年代开始，一些发达国家银行非利息收入快速增长，呈现出了中间业务、资产业务和负债业务三足鼎立、并驾齐驱的态势。作为商业银行新的利润增长点，我国商业银行要想繁荣发展就必须大力发展中间业务。本文阐述了我国商业银行中间业务的现状，虽然得了一些成绩，但是还存在着一些问题：分业经营模式制约中间业务发展，经营观念存在误区, 对于中间业务不够重视，相关的高素质人力资源匮乏，对中间业务中存在的风险认识不足等 。通过分析存在的问题及原因从而有针对性的提出相应的对策：加快金融业混业经营步伐，全面提高认识矫正经营观念，制定有效措施，提高中间业务效益，提升人力资源管理策略，提高从业人员素质，完善中间业务的组织管理体系，严密防范风险等措施。希望能够通过这些建议能够给我国商业银行中间业务稳步健康发展起到积极意义。 关键词: 我国商业银行；中间业务；问题；对策 Intermediate business of commercial banks in China Problems and Countermeasures Abstract: 90s from the beginning of the 20th century, some developed countries the rapid growth of bank non-interest income showed an intermediate business, assets and liabilities of the three operations, keep pace with the trend. Commercial banks as a new profit growth point, Chinas commercial banks to the prosperity and development must be to develop intermediary business. In this paper, intermediary business in Chinas commercial banks of the status quo, although had some success, but there are still a number of issues: the separation of constraints among the business model of business development, business concept of the existence of the errors in the middle of the business do not pay enough attention to the relevant high-quality human resources of the existence of intermediary business in the lack of risk awareness. By analyzing the reasons for the problems and thus to focus on the appropriate response: the operation mode to speed up the pace of the financial industry, a comprehensive awareness-raising operation to correct the concept of the development of effective measures to improve the efficiency of intermediary business, upgrade human resources management strategy to improve the employees quality, and improve the organization of the middle of the business management system, strict measures to guard against risks.Hope that through these recommendations to be addressed to the intermediary business in Chinas commercial banks have played a steady and hea