商業(yè)銀行發(fā)展中間業(yè)務(wù)對策研究

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目錄
摘要.....................................................................................................................2
Abstract.............................................................................................................3
引言.......................................................................................................................4
第1章 中間業(yè)務(wù)的有關(guān)概述......................................................................................5
1.1中間業(yè)務(wù)的概念 ……………………………………………………………………….5
1.2中間業(yè)務(wù)的分類.................................................................................................5
1.3中間業(yè)務(wù)在商業(yè)銀行發(fā)展中的重要作用………………………………………….8
1.3.1有利于商業(yè)銀行防范和分散風(fēng)險………………………………………………8
1.3.2有利于商業(yè)銀行提高自身競爭力………………………………………...9
1.3.3有利于商業(yè)銀行開拓新的利潤增長點…………………………………...9
1.3.4有利于商業(yè)銀行降低成本……………………………………..…...……..9
1.3.5有利于商業(yè)銀行塑造良好的公眾形象………………………………….10
第2章 我國商業(yè)銀行中間業(yè)務(wù)的現(xiàn)狀及不足………….…………………………11
2.1我國商業(yè)銀行中間業(yè)務(wù)的發(fā)展歷程……………………………………...…11
2.2我國商業(yè)銀行中間業(yè)務(wù)的現(xiàn)狀………………………………………...……11
2.3我國商業(yè)銀行中間業(yè)務(wù)的不足……………………………………………...14
2.3.1中間業(yè)務(wù)品種少………………………………………………………….14
2.3.2創(chuàng)新能力不足…………………………………………………………….14
2.3.3缺乏科學(xué)有效的管理…………………………………………………….15
2.3.4普遍缺乏復(fù)合型人才…………………………………………………….15
2.3.5中間業(yè)務(wù)操作系統(tǒng)技術(shù)落后…………………………………………….16
2.3.6商業(yè)銀行沒能認(rèn)識到中間業(yè)務(wù)的重要性……………………………….16
第3章 影響我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的因素…………………………………17
3.1商業(yè)銀行缺乏利益驅(qū)動力…………………………………………………...17
3.2我國商業(yè)銀行經(jīng)營環(huán)境不成熟……………………………………………...17
3.3沒有調(diào)整自身經(jīng)營觀念............……………………………………………...17
3.4符合時代需求的人才的匱乏………………………………………………...18
3.5相關(guān)法律法規(guī)不健全.......................................................................................18
3.6分業(yè)經(jīng)營政策限制了中間業(yè)務(wù)的發(fā)展空間………………………………...19
第4章 我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的對策和建議………………………………20
4.1鼓勵金融創(chuàng)新，豐富中間業(yè)務(wù)種類………………………………………...20
4.2改變傳統(tǒng)營銷觀念…………………………………………………………...20
4.3完善商業(yè)銀行內(nèi)部風(fēng)險防范機制…………………………………………...21
4.4加快培養(yǎng)符合時代需求的優(yōu)質(zhì)復(fù)合型人才………………………………...21
4.5完善相關(guān)法律法規(guī)，加強管理……………………………………………...22
4.6嘗試適度混業(yè)經(jīng)營…………………………………………………………...22
結(jié)束語………………………………………………………………………………..23
參考文獻(xiàn)………………………………………..……………………………………………….24


[摘要]中間業(yè)務(wù)是商業(yè)銀行日常業(yè)務(wù)的重要組成部分，商業(yè)銀行大力發(fā)展中間業(yè)務(wù)是國際金融業(yè)發(fā)展的主要趨勢。我國商業(yè)銀行業(yè)近年來發(fā)展迅速，朝著現(xiàn)代商業(yè)銀行轉(zhuǎn)型，中間業(yè)務(wù)也取得了顯著的發(fā)展，但與國外商業(yè)銀行相比還有很大的差距。在我國加入WTO后，外資銀行大舉進(jìn)入我國，國內(nèi)商業(yè)銀行通過資產(chǎn)負(fù)債業(yè)務(wù)獲利壓力日漸增大，大力發(fā)展中間業(yè)務(wù)成為我國商業(yè)銀行當(dāng)前發(fā)展目標(biāo)的重中之重，因此采取什么對策去發(fā)展中間業(yè)務(wù)具有重要意義。本文探討了我國商業(yè)銀行中間業(yè)務(wù)發(fā)展的現(xiàn)狀和不足，從中分析影響中間業(yè)務(wù)發(fā)展的因素。通過對法律法規(guī)是否健全、創(chuàng)新能力強弱、營銷觀念、風(fēng)險防范等方面的研究，提出相應(yīng)的發(fā)展對策。

[關(guān)鍵詞]中間業(yè)務(wù)；商業(yè)銀行；金融創(chuàng)新；風(fēng)險防范機制


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