《商业银行业务创新跟思考 》.docVIP

PAGE 沈 阳 理 工 大 学 毕业设计（论文） 题 目：论商业银行业务创新问题及对策 以中信银行为例 系： 经济管理系 专 业： 金融学 学生姓名： 岳文泽 指导教师： 马 会 二〇一〇 年 六 月 十八 日 论商业银行业务创新问题及对策以中信银行为例 PAGE 17 摘 要 在20世纪80年代以后的20年里，我国商业银行的业务创新取得了很大的发展。然而由于在创新动因、创新主体、创新环境以及创新的技术支撑方面与西方发达国家的商业银行业务创新存在着很大的差异，因而我国的商业银行创新仍存在着缺乏系统性、科学性、国内的一些政策和制度以及商业银行的经营管理体制限制了创新等问题。为适应中国市场经济发展的需要，加快向现代化商业银行的转化并应对加入WTO以后激烈的金融竞争，近年来，我国的商业银行加快了业务结构调整，在资产业务、负债业务、中间业务等方面进行了创新，不断提高集约化经营与管理水平。但从国有商业银行的现状来看，仍然存在着资产业务单一、资金成本高、中间业务相对落后等问题。特别是业务创新的步伐较慢，开办的新业务品种少、规模小、收益低，在整个银行资产负债业务中的占比不大，难以达到优化结构、提高整体经营效益的初衷。为此，本人拟从分析国有商业银行业务创新的现状入手，就当前存在的问题、难点与对策作些初步探讨。 关键词： 商业银行；业务创新；中信银行 Abstract The service innovation of commercial banks in China has gained a significant development in the 20-year period after 1980s. However there is a great difference between the service innovation of commercial banks in western countries and China due to the weakness in innovation motive, innovation subject and innovation environment. As a result, the service innovation of commercial banks in China is lack of systematic ness and scientific. And certain policies and regulations of government as well as the management system of banks restrict the service innovation. In recent years, commercial banks has speeded up in business structure optimization and innovation in assets operation, liability business and intermediary business, and constantly enhanced intensification in marketing and management, in order to adapt to the rapid development of internal development and meet the challenge after entering WTO by transferring banks intro modern commercial banks. But there are still some problems with commercial banks, including lack of variety in assets business, high cost and backward in intermediary business. What is worse, the service innovation remains slow with few kinds of new business braches, small scale, low profit and little proportion in the whole assets business of banks, therefore, it is hard to optimize the structure an