中国商业银行中间业务的发展与创新研究-research on the development and innovation of intermediary business in chinese commercial banks.docxVIP

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中国商业银行中间业务的发展与创新研究-research on the development and innovation of intermediary business in chinese commercial banks.docx

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中国商业银行中间业务的发展与创新研究-research on the development and innovation of intermediary business in chinese commercial banks

PAGE PAGE 4 一支既懂传统业务又具有创新意识、既了解国外中间业务产品的发展趋势又掌握国内市场信息的管理人才队伍；加强对中间业务的风险管理，不断完善风险管理的手段。树立关系营销、数据库营销、微区隔营销的理念；不断创新中间业务产品的功能、设计；在作业成本制度的基础上为中间业务科学定价；开拓新兴的电子渠道，改造传统的分支行，进行渠道整合；同时进行全方位、一体化的促销，加深客户对所提供的业务内容的理解。关键词：商业银行；中间业务；管理创新；营销创新 A STUDY ON THE DEVELOPMENT AND INNOVATION OF INTERMEDIARY BUSINESS OF COMMERCIAL BANKS IN CHINA Abstract Intermediary business in broad sense is defined as the business beside the traditional business including the savings and loans, which can create non-interest income for commercial banks. With economic globalization ， Financial liberalism ， the development of technology information, the increasingly vigorous competition and changing Financial demanding , Intermediary Business of the commercial banks have gotten unprecedented development. The ratio of intermediary b usiness income of the western commercial banks at its gross earnings has increased to 40% above. Intermediary business, with together traditional the savings and loans business，constitutes three major of pillars of the modern commercial bank. Expanding intermediary business has become common development trend of the banking of world nowadays. Compared with the large maturity and international commercial bank, intermediary business of the commercial bank in China has less species, smaller scale, lower income ratio, and income structure is not reasonable. Moreover, management and marketing methods cannot catch with the development of the business. Though the Chinese commercial banks have just begun to handle intermediate business, they are required to do more and more because of the diversification of banks credit. At the same time, with the coming of opening completely at the end of 2006, intensive competitions between the local banks and foreign banks are increasingly vigorous. Faced the challenge from the foreign capital bank, the commercial banks in China have to enrich continuously and extend the content and postpone outside