我国商业银行发展中间业务的路径分析..doc

毕 业 论 文 专 业： 学生姓名： 指导教师： 二〇一四年十月 我国商业银行中间业务发展路径分析 Our country commercial bank middle business development path analysis 专业班级： 2014年10月 摘 要 商业银行的中间业务是指不构成商业银行表内资产和负债的业务，它是商业银行三大支柱业务之一。实现收入来源多元化是商业银行发展的必然选择。中间业务不但具有风险低、成本低和收益高的优势，而且对分散经营风险、保障收益水平、提高银行效率和竞争优势等方面都有突出的作用，对于我国商业银行转变经营模式，实现利润最大化具有重要意义。 本文运用理论研究与应用研究相结合的方法，并采用比较分析、图标分析、文献研究、案例分析和经验总结等多种方式，立足于中国视角，首先概述了中间业务的概念和分类，并在此基础上指出了中间业务发展的理论背景，通过金融创新理论的分析对我国商业银行发展中间业务具有指导意义。其次，对我国商业银行中间业务的发展现状做出基本描述，提出了我国商业银行中间业务存在产品价格不合理、缺乏创新和监管手段落后等问题，并在此基础上分析原因。 本文结合我国的现实状况提出了我国商业银行发展中间业务的路径选择，阐述了中间业务产品价格和产品创新等方面的发展建议。 关键词：商业银行；中间业务；发展路径 ABSTRACT The intermediary business in commercial banks is defined as not constituting balance sheet assets and liabilities of commercial banks. It is one of three big pillar businesses of commercial banks. To develop multi-source income is the inevitable choice. The intermediary business embraces some considerable advantages: low risk、low cost and high return. Besides, it makes outstanding effects on business risk diversification、profit level guarantee、bank efficiency improvement and competitive advantages. And also the intermediary business puts great significance on business mode transformation and profit maximization in China’s commercial banks. This paper applies theoretical study and applied research, and adopts a variety of methodology from China’s perspective such as comparative analysis, graph analysis, literature research, case analysis and experience summary. Initially, it briefly describes the concept and the classification of intermediary business. Besides, the theoretical background of the intermediary business is pointed out in the article. And the analysis of theory related with financial innovation makes leading significance for China to develop its intermediary business. Additionally, the paper makes basic description of the current development of intermediary business in China’