浅谈经济增长和金融发展的联系.docVIP

商业银行中间业务发展问题 ［ ］伴随着我国金融体系的完善与全球金融一体化进程的进一步加快，我国 商业银行面临的竞争将空前剧烈，因而大力发展中间业务是我国商业银行的必 然选择，我国商业银行中间业务起步晚，收入比重低，品种少,创新能力不足，服 务收费不合理。加入WTO后，中外银行的激烈竞争促使我国商业银行在发展中间 业务上必须尽快提高认识,完善组织管理，强化产品开发，实施有效市场营销，优 化服务手段,完善人才培养机制,调整收费标准,防范市场风险。中间业务经营成 本低、风险小、收益高，因而得到迅速发展。 ［关键字］商业银行中间业务对策 Problems in the development of intermediate business of commercial banks [Abstract] The intermediate business of commercial banks in China started late, the proportion of low-income, less variety, lack of innovation, service fees are unreasonable. After joining the WTO, the fierce competition between Chinese banks and foreign banks to Chinas commercial banks to increase the understanding of the development of intermediary business, improve management, strengthen product development, the implementation of effective marketing, optimize service means, improve the personnel the intermediary business, because of its low operating costs, small risk, high income, has been rapidly developed. With the improvement of china’ s financial system and global financial integration, china’ s commercial banks will face more intense competition, so develop intermediary business of china’ s banks becomes the inevitable choice. In this paper, author analysis the problems exist in intermediary business of china’ s commercial banks, and put forward some countermeasures for the problems. [Key word] commercial banks intermediary business countermeasures 商业银行中间业务发展问题 目录 TOC \o 1-5 \h \z 弓IB 3 HYPERLINK \l bookmark5 \o Current Document \h —、我国商业银行中间业务发展现状及存在的问题 3 HYPERLINK \l bookmark6 \o Current Document \h （一） 、我国商业银行中间业务收入 3 HYPERLINK \l bookmark7 \o Current Document \h （二） 、我国商业银行屮间业务收费状况分析。 4 HYPERLINK \l bookmark8 \o Current Document \h 二、 我国商业银行中间业务发展存在问题分析 4 HYPERLINK \l bookmark9 \o Current Document \h （一） 、屮间业务品种少，创新不足。 5 HYPERLINK \l bookmark10 \o Current Document \h （二） 、组织体系不健全。 5 HYPERLINK \l bookmark11 \o Current Document \h （三） 、风险控制能力不足 6 HYPERLINK \l bookmark12 \o Current Document \h （四） 、公众对中间业务存在观念误差