商业银行中间业务发展影响因素的研究.docVIP

PAGE PAGE I 商业银行中间业务发展影响因素的研究 摘 要 伴随中国逐渐深化的利率市场，商业银行正在迅速转型。合法化的经营准则同同行业日渐激烈的竞争，致使旧式的商业银行的获利愈来愈少。金融革新发展的需求和外国商业银行的革新思路广泛地影响着国内商业银行，各个商业银行为寻找及扩展获利余地，把投资转向了中间业务，中国的商业银行逐渐故意转变发展重心，使资源配置有所侧重，全都加速了中间业务的拓展。本研究从相关的背景信息着手，先叙述了与商业银行中间业务有关的概念及分类，然后细致地解析了中国商业银行中间业务发展的状况和影响发展的因素，且实施了实证研究，最终就中国商业银行发展中间业务中的问题，提供了相关的策略及意见。 关键词：商业银行；中间业务；影响因素；发展对策 Abstract With the acceleration development of marketization of interest rate in our country, commercial Banks transformation in accelerating pace. Comprehensive operation of legalization and the competition is increasingly fierce, make the traditional commercial banking profits are getting smaller. By the needs of the development of financial reform and innovation ideas abroad commercial bank, in order to seek and expand the profit space, commercial Banks to look to the intermediary business, our country commercial bank began to consciously transform strategic priorities, resource allocation, common to speed up the pace of the development of intermediary business. Starting from the background of research, this paper first expounds the intermediary business of commercial bank related concept and the classification, then a detailed analysis of the our country commercial bank middle business development present situation and the influencing factors, and has carried on the empirical research, finally according to the existing problems in the development of our country commercial bank middle business, put forward the corresponding countermeasures and Suggestions. Key words: commercial Banks; Intermediary business; Influencing factors; Development countermeasures  目 录 TOC \o 1-3 \h \z \u 摘 要 I Abstract III 1 商业银行中间业务概述 1 1.1 商业银行中间业务的概念 1 1.2 商业银行中间业务的分类 1 1.2.1 根据巴塞尔委员会的划分 1 1.2.2 根据中国人民银行的划分 1 2 我国商业银行中间业务发展现状与影响因素 3 2.1 商业银行中间业务发展的现状 3 2.1.1 中间业务收入规模和比重比较低 3 2.1.2 中间业务收入规模有迅速扩张之势 3 2.1.3 中间业务创新成果显著 3 2.1.4 初步建立了中间业务管理体系 4 2.2 商业银行中间业务发展的影响因素 4 2.2.1 经济发展的因素 4 2.2.2 利率形成机制的因素 5 2.2.3 融