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1、南开大学滨海学院金融学系•金融学专业本科生毕业论文我国商业银行中间业务存在的问题及其对策_岳士博2014年4月10日5.1-9,,services,andmakethecitymoreattractive,strengtheningpublictransportinvestment,establishedasthebackboneoftheurbanrailtransitmulti-level,multi-functionalpublictransportsystem,thusprotectingtheregionalpositionandachieve摘要我国商业银行在发展过程中正面临着严峻
2、的挑战,从我国加入WTO起,商业银行就面临着激烈的竞争,尤其是在近几年,我国金融市场进一步开放,以传统业务作为主要收入来源的商业银行受到了极大的挑战。在这样的情况下,发展商业银行中间业务就显得尤为重要。本文首先介绍了商业银行中间业务的概念,并对商业银行中间业务进行了分类,阐述了发展中间业务的必要性;其次,在分析了国内外商业银行中间业务的发展状况的基础上,分析了我国商业银行在发展中间业务存在问题;最后,提出我国商业银行在发展中间业务方面存在的主要问题,并针对存在的问题提出了相应的对策。关键词:商业银行;中间业务;对策5.1-9,,services,andmakethecitymoreattrac
3、tive,strengtheningpublictransportinvestment,establishedasthebackboneoftheurbanrailtransitmulti-level,multi-functionalpublictransportsystem,thusprotectingtheregionalpositionandachieveAbstractThecommercialbanksinourcountryarefacingseverechallengesinthedevelopmentprocess.Sinceourcountryhadaccessiontoth
4、eWTO,thecommercialbanksfacedfiercecompetition.Especiallyinrecentyears,thefinancialmarketinChinagoastepfurtherandthetraditionalbusinessasthemainsourceofcommercialBanks'incomesufferedenormouschallenges.Insuchsituations,commercialBanksshouldraiseawarenessandexpandthescaleoftheintermediarybusiness.Givin
5、gfullplaytotheintermediarybusiness'scharacteristic,whichoccupylesscapitalsbutgainshigh,toimprovebusinessrevenuecontributiontobanks.Thisarticle'sfirststepisthatdefineconceptandclassificationoftheintermediarybusinessandthenecessityofdevelopingintermediatebusinessineconomicenvironmentofnowadays.Andthen
6、analyzestheintermediarybusinessdevelopmentinthedomesticandforeigncommercialbanks.Inthethirdpart,theairtleputforwardthemainproblemsexistinginthedevelopmentofintermediarybusinessinourcountryandputforwardthecorrespondingcountermeasuresinforthpart.Keywords:commercialbank;Intermediatebusiness;StrategyRes
7、earch5.1-9,,services,andmakethecitymoreattractive,strengtheningpublictransportinvestment,establishedasthebackboneoftheurbanrailtransitmulti-level,multi-functionalpublictransportsystem,thusprotectingth