商业银行中间业务收入分析.doc

PAGE PAGE 22 商业银行中间业务收入分析 摘要：在当前国民经济大背景下，尤其是利率市场化进一步深化发展的情况下，各大商业银行在复杂多变的市场中利用中间业务创造较为稳定的收入并借此维持利润率的大方向已不可避免。各大商业银行业正在努力开展中间业务，使其成为一项重要的利润来源。本文从对中间业务的理论认识出发，通过对现在中内外商业银行中间业务发展情况背景的认识，初步总结出现在我国商业银行中间业务存在的问题，接着重点借助中国银行等几家国有银行、宁波银行等几家地方商业银行以及富国银行这一国外商业银行的年报进行实证分析，深入研究城商行与国有银行中间业务的差距以及我国商业银行与国外商业银行在中间业务上的差距，得出我国商业银行在中间业务发展上存在的问题，最后提出意见以及建议努力解决问题。 关键词：商业银行；中间业务；比较分析 Commercial bank intermediate business income analysis Abstract: In the context of the current national economy, especially under the condition of marketization of interest rates further development, each big commercial bank intermediary business in the complex and changeable market by creating more stable income and to maintain profitability direction is inevitable. Each big commercial Banks are trying to develop intermediary business, make it become an important source of profits. In this paper, starting from the understanding of the theory of intermediary business, by now in the understanding of the internal and external commercial bank middle business development background, the preliminary summary appeared in the problem of the intermediate business of commercial bank in our country, then the key with the help of a handful of state-owned Banks such as bank of China, several local commercial Banks such as bank of Ningbo, and Wells Fargo, the foreign commercial banks annual report on the empirical analysis, further study of the gap between city businesses and state-owned bank middle business and our country commercial bank and foreign commercial Banks on intermediary business, it is concluded that Chinas commercial Banks business development in the middle on the existing problems and finally put forward opinions and Suggestions to solve the problem. Keywords: Commercial banks；intermediate business；comparative analysis 一、导论 （一）研究背景 美国的中间业务从20世纪60年代起步，并在80年代美国放松了金融管制且废除了斯蒂格尔法案后得到了快速发展。当时商业银行在与非银行金融机构的竞争中，差异越来越小，优势荡然无存，依靠传统存贷款业务创收已经是举步维艰，因此通过服务收费的中间业务创收模式得到了大力的支持，经过30多年的发展非利息收入从80年代初的6%上升到了40%，实现了巨大的飞跃。不仅是