我國(guó)商業(yè)銀行發(fā)展中間業(yè)務(wù)的思考.pdf

1、對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)碩士學(xué)位論文我國(guó)商業(yè)銀行發(fā)展中間業(yè)務(wù)的思考姓名：李溥申請(qǐng)學(xué)位級(jí)別：碩士專(zhuān)業(yè)：金融學(xué)指導(dǎo)教師：李青20050301[.fiUi117CtXa579:9，ly!地推迸中JB1業(yè)09M臺(tái)與創(chuàng)WT3.建立科學(xué)的中間業(yè)務(wù)定價(jià)策略4.強(qiáng)化中間業(yè)務(wù)的風(fēng)險(xiǎn)控制提要:隨著我國(guó)銀行業(yè)對(duì)外開(kāi)放的進(jìn)一步擴(kuò)大和金融體制改革步伐的加快，商業(yè)銀行之間的竟?fàn)幦找婕ち彝瑫r(shí)面對(duì)存貸利差日趨減小的微利時(shí)代以及《商業(yè)銀行資本充足率管理辦法》‘對(duì)資木充足率嚴(yán)格的

2、要求，如何加快經(jīng)營(yíng)模式和增長(zhǎng)方式的轉(zhuǎn)變，實(shí)現(xiàn)經(jīng)營(yíng)結(jié)構(gòu)的戰(zhàn)略性調(diào)整，提高經(jīng)營(yíng)效益，增強(qiáng)核心競(jìng)爭(zhēng)力，成為我IA商業(yè)銀行面臨的嚴(yán)峻、迫切的課題，大力發(fā)展中間業(yè)務(wù)成為我國(guó)商業(yè)銀行關(guān)注的焦點(diǎn)。本文從我國(guó)商業(yè)銀行中間業(yè)務(wù)的定義及分類(lèi)入手，通過(guò)對(duì)中外商業(yè)銀行中間業(yè)務(wù)發(fā)展的比較研究，總結(jié)出我國(guó)商業(yè)銀行的差距以及成因，進(jìn)一步提出我國(guó)商業(yè)銀行發(fā)展中間業(yè)務(wù)面臨的外部經(jīng)營(yíng)環(huán)境以及內(nèi)部經(jīng)營(yíng)管理中存在的主要問(wèn)題。最后，針對(duì)提出的卞要問(wèn)題并結(jié)合我國(guó)商業(yè)銀行目前的實(shí)際

3、經(jīng)營(yíng)情況提出進(jìn)一步發(fā)展中間業(yè)務(wù)的解決方案。Summary:WiththefurtheropeningupofChinasbankingindustryandtheaccelerationofthereformofChinasfinancialsystemthecompetitionamongthecommercialbanksisbecomingincreasingfiercer.Meanwhilewiththeeverdecreasi

4、ngofthespreadbetweenthedepositandloaninterestratesandthestricterrequirementofthecapitaladequacyratioenforcedbyRegulationsontheAdministrationofCommercialBanksCapitalAdequacyRatiohowtospeedupthetransformofthebusinessmodela

5、ndgrowthpaternrealizethestrategicadjustmentofthebusinessstructureincreasetheeficiencyandstrengthenthecorecompetitivenesshasbecomeaseriousandurgenttopicfacedbyChinascommercialbanks.Thereforetodeveloptheintermediarybusines