邮储银行中间业务的发展和策略2ie2wh044.docVIP

PAGE 邮储银行中间业务的发展和策略 专业：金融 学生：罗曼 指导老师：刘晋科 摘 要 在当今时代，银行间的竞争就是银行业务间的竞争，而目前银行间的主要业务仍然是以存贷业务为主，但是随着经济的快速增长，中间业务越来越成为国际舞台上的“主力军”，并不断为银行带来经济利益，有很大的发展前景。同时，由于中间业务对服务客户、联系客户及促进传统资产负债业务发展的重要作用，加之其较强的盈利能力，因此中间业务的发展水平已成为衡量商业银行综合实力和发展水平的重要标准。 新成立的邮储银行以其营业网点多、覆盖面广迅速发展，在将来想要与其他银行竞争，从现在开始就应该重视中间业务的现状、发展和未来策略，发扬其邮储银行的优势，致力于邮储银行的中间业务的振兴。 关键词：邮储银行 中间业务 策略 The bank of the business development and strategic Major : Financial Student : Luo Man Supervisor : Fang Jian Min Abstract In our time, the competition between the bank is just the business of the competition, and the bank to the main business is still in the direction of business, but with economic growth in the centre for international business and the main force, and constantly bring economic benefits to the bank, a very large developing prospect. At the same time, because of business service customers, the traditional assets and liabilities and promote business development of the important role.And its strong earnings, so the business development has become the yardstick of commercial banks comprehensive development of standards of strength and an important criterion. the new post in the bank of the locations and extensive coverage in the future development and to compete with other banks, from now on we should attach importance to the middle of the status quo, development and future policy, the energy of the bank, engaged in the middle of the bank of revitalization. Key words：Postal Savings Bank Intermediary Business Strategy 目录 HYPERLINK \l _Toc261034570 1 绪论1 1.1选题目1 1.2选题意义1 1.3文献综述1 2 商业银行中间业务的介绍2 2.1中间业务的概念2 2.2中间业务的类型 3 2.3中间业务特点5 HYPERLINK \l _Toc261034572 3 商业银行中间业务产生的背景及发展趋势7 3.1商业银行中间业务的产生7 3.2商业银行中间业务的发展动因8 3.3商业银行中间业务的发展趋势9 HYPERLINK \l _Toc261034573 HYPERLINK \l _Toc261034574 3.4 我国发展商业银行中间业务的必要性10 4 邮政储蓄银行中间业务发展现状及存在的问题11 4.1邮政储蓄银行及其中间业务概述11 4.2邮政储蓄中间业务发展现状11 4.3邮政储蓄银行中间业务存在的问题12 HYPERLINK \l _Toc261034580 5 邮储银行中间业务的改善策略 16 HYPERLINK \l _Toc261034581 5.1转变观念，对