毕业设计（论文）-浅析我国商业银行中间业务的现状及发展策略.doc

天津外国语大学滨海外事学院 经 济 系 商业银行专题论文 浅析我国商业银行中间业务的现状及发展策略 作 者 学 号 专 业 金融学 班 级 授课教师 中文摘要 在我国金融体制改革的不断深化和社会经济发展，金融需求推动国内各商业银行开始重视中间业务的发展发展中间业务对商业银行的重要意义有利于我国商业银行降低经营风险，提高赢利能力有利于我国商业银行满足金融客户的实际需有利于我国商业银行与国际银行业接轨非利息收入在经营净收入中的占比快速上升ABSTRACT In the deepening of Chinas financial reform and socio-economic development today, the demand for financial boost domestic commercial banks began to attach importance to the development of intermediary business. With competition growing domestic banks, savings and loan spreads gradually reduced, and a variety of hardware and software facilities of domestic commercial banks continues to improve, not to spread as the main source of profits in the middle of the business development and deepening of the obvious is particularly important. From the analysis of the basic theory to start business, through our commercial banks for the middle of the present analysis, find out the problems of the business development, the successful experience of overseas countries to learn, for our national commercial banks of the development of business strategies. Firstly, Illustrates the development of intermediary business the importance of commercial banks: Commercial Bank of China will help reduce business risk and improve profitability; conducive to Chinas commercial banks to meet the customers actual financial need; conducive to Chinas commercial banks and international banking standards. Secondly, Summed up the middle of Chinas commercial banks business development status, including: intermediate business income trend, pattern, innovation, regulation and monopolies and so on. Thirdly, It is to our middle of the present situation and analyze, outstanding performance: Not improve, interest income、the interest income in the total net income more rapidly rising、Financial business has developed rapidly、and the other bank is our business to be developed . Lastly, It is