利率市场化背景下国有银行收入结构调整转型研究-工商管理专业论文.docxVIP

万方数据 万方数据 中间业务，积极进行收入结构调整的理论基础，并最终以中国银行为例 将理论与实践相结合，为解释我国商业银行在利率市场化进程中面临的 转型压力以及中间业务发展的战略规划提供了相应的借鉴，并对我国国 有商业银行开展差异化竞争、提升盈利能力和综合竞争力具有重要的现 实意义。 关键词：利率市场化；中国银行；收入结构；盈利模式；中间业务 THE ANALYZE OF INCOME STRUCTURE ADJUSTMENT OF STATE-OWNED BANKS UNDER LIBERALIZATION OF INTEREST RATE ABSTRACT With economys stability and the reform of monetary systems steady advance and continuous deepening, the central bank of china decided to liberalize financial institutions lending rates which means allowing them to determine the lending rate independently by cancelling financial institutions lending rate floor , 70 percent of the benchmark lending rate. This move is an important step in Chinas liberalization of interest rate. Intermediary business, which together with assets business and loan business construct the troika business of commercial bank have been paid more and more attention. Commercial banks have to improve their business structure and expand their intermediary business. As the revenue structure and profit model of commercial banks have been a heated topic, commercial banks are innovating to seize the intermediary business market with their strengths. First,this paper summarizes related documentation on commercial banks revenue structure adjustment under the background of interest rate liberalization,concluding the chance and challenges under this background. In addition, to figure out the relation between domestic commercial banksability of profitability and development of intermediary business,this paper includes results of related empirical researches. Secondly, this paper analyzes the annual report of Bank of China 2008-2013 to study the current development of intermediary business and revenue structures adjustment with the liberalization of interest rate.Furthermore, comparison with 4 other state-owned bank( Industrial and Commercial Bank of China, China Construction Bank, Agriculture Bank of China and Bank of Communication) in intermediary business will be made to acq