《我国商业银行中间业务发展策略》-毕业论文.docVIP

l l l 目录 中文摘要、关键词…………………………………………………………1 英文摘要、关键词…………………………………………………………2 引言…………………………………………………………………………3 一、商业银行中间业务概述……………………………………………………5 1. 中间业务的基本概念及其分类…………………………………………5 2. 中间业务的基本性质……………………………………………………6 二、我国商业银行中间业务的发展现状及存在问题分析……………………7 1. 我国商业银行中间业务发展现状………………………………………7 2. 我国商业银行发展中间业务存在的问题………………………………7 三、中外商业银行发展中间业务的比较………………………………………8 四、我国商业银行发展中间业务的策略选择…………………………………9 1. 发展中间业务要处理好三大关系………………………………………9 2. 发展中间业务必须坚持的三项经营原则………………………………9 3. 我国商业银行发展中间业务的具体措施………………………………10 4. 商业银行中间业务的风险及控制………………………………………11 五、致谢........................................................13 六、参考文献....................................................14?? 七、英文文献原文………………………………………………………………16 八、英文文献译文................................................19 我国商业银行中间业务发展策略 摘 要：我国加入WTO后,外资银行进入中国金融市场的速度不断加快,与中资银行竞争与合作全方位展开。外资银行对我国商业银行的冲击,除资本实力雄厚、资产规模大、经营管理方式先进之外,最大的冲击将是中间业务的冲击。外资银行通过提供多样化的中间业务服务,起到服务客户、联系客户、稳定客户的作用,并促进其银行传统资产负债业务的发展,从而导致大量的优质客户由中资银行向外资银行转移。由于具有成本低、收益高、风险小、业务品种繁多等特点,中间业务为外资银行带来了巨大利润。中间业务竞争正成为商业银行间更高层次的竞争我国商业银行靠传统的存贷业务,已难以与外资银行竞争,必须开辟新的利润来源。 关键词：商业银行；中间业务；发展策略 Development strategy to HYPERLINK app:commercial%20bank \t _self commercial bank Intermediary Business of china Abstract: After our country joins WTO,The acceleration of foreign banks entry into Chinese banking and unfold the Competition and cooperation. Foreign banks on the impact of Chinas commercial banks, in addition to the strength of capital, assets are large in scale, advanced management methods, the largest impact will be the impact of intermediate business. Diversification of foreign banks through the provision of the intermediate business services, a customer service, customer contact, stability, the role and promote its traditional banking business assets and liabilities of development, resulting in a large number of quality customers by the banks to transfer foreign banks. Because of its low cost, high-income, small risk, operational characteristics of variety, intermediate business for foreign banks has brought