毕业我国商业银行发展中间业务问题研究.docVIP

我国商业银行发展中间业务问题研究 学生： 指导教师： 摘 要 随着我国金融体制改革的不断深化和经济高速发展对金融产品需 求的拉动，中间业务已经成为商业银行新的效益增长点和利润增长点 的首要选择，发展商业银行屮间业务具有重大战略意义。商业银行积 极稳定地发展中间业务，既是摆脱存贷利差日益减小，利润趋微困境 的需要，也是应对加入WTO后外资银行冲击的理性选择。 本文从我国商业银行中间业务发展现状入手，透析了中国商业银 行开展中间业务中存在的问题，并提出了有针对性的建议。我国商业银 行中间业务规模小，品种较少是目前中间业务开办中的主要问题。另 外，行业内存在许多同层面的低端竞争，极大阻碍了中间业务的快速 发展，产品开发跟风现象严重，创新能力差。本文认为要解决中间业 务的现状，第一，提高对中间业务重耍性的认识；第二，加强综合业 务人才培养：第三，积极创新拓展中间业务新品种开发；第四，在健 全机构等方面下功夫。 关键词：商业银行；中间业务；对策 A Study on the Development of Intermediary Business concerningCommercial Bank of China Abstract With the constant deepening of Chinas financial reform and the demand for financial products caused by the Rapid economic development, Intermediary Business has become the first choice in commercial banks9 new benefit growth and profit growth, the first choice, the development of intermediary business has great strategic significance. The development of intermediary business are not only the demand of avoiding decrease on Loan-deposit interest rate gap and the puzzledom of profit decreasing trend, but also the rational choice to response to the impact from foreign banks after join the WTO. This article starting from the status quo of in China, analysing the issues among the Intermediary Business development, and given some targeted recommendations. In China, Small-scale and lack varieties are the main problem in Intermediary Business. In addition, there are many low-end competitions in this field, which greatly hindered the rapid development of intermediary business? This paper consider that to solve the intermediary business5 status quo: first, enhance the knowledge of the importance of the intermediary business; second, strengthen the comprehensive talented personnel cultivation; third, RD new Intermediary Business Intermediary Business variety actively; forth, work harder on the aspects such as amplify organization etc。 Keywords: Commercial Bank; Intermediary Business; solution 目 录 TOC \o 1-5 \h \z HYPERLINK \l bookmark6 \o Current Document \h 1绪论 4