我国商业银行中间业务创新与发展策略分析.pdfVIP

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。最后，针对我国商业银行在中间业务发展过程中存 在的问题，理性地参考和借鉴西方国家商业银行中间业务的发展历程和发展情况，因为 西方国家的中间业务产品无论在技术、创新还是种类等方面都日趋成熟，对我国中间业 务的发展具有多视角的启发作用。本文结合我国的现实状况提出了我国商业银行发展中 间业务的策略选择，阐述了中间业务产品价格和产品创新等方面的发展建议，并从完善 内部风险控制和外部监管两方面提出了加强我国商业银行中间业务风险管理的策略。 关键词：商业银行 中间业务 创新 发展 ABSTRACT Since the 1970s, with the development of financial market and information technology, there is full of fierce competition among commercial banks for pursuing great interest margins. Faced with survival crisis, the Western commercial banks take the advantage of their good reputation 、funds and technology, combined with the intermediary business which benefits from low risk、low cost and stable return, so as to develop innovation on intermediary businesses and to create diversified financial services. This will not only enable banks to increase profit and to enhance competition advantages, but also to improve the status of intermediary business. 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. Since the 1990s, with the deepening of economic reform, the competition among domestic bank industry becomes fiercer and fiercer; especially after China joining WTO, commercial banks is confronted with greater impact because of China’s fully open to the world market. On the one hand, commercial banks are now under a big challenge since banks always take the traditional businesses: deposits and loans as main business for a long time. However, the business model which takes interest spread as main source of income will no longer meet the f