商业银行中间业务的发展-问题与对策大学论文.doc

商业银行中间业务的发展：问题与对策摘要商业商业银行的中间业务是指银行不动用自己的资产或是只动用极少的自己的资产，利用银自己人才、机构、技术、信息等优势，从中间人的身份替客户办理收付以及其他委托事项，提供更各类金融服务并收取手续费的业务。现今商业银行间的竞争愈加激烈，而利润率却日渐下降，商业银行的生存压力逐年增加。特别是1997年东南亚金融危机爆发后，商业银行本身对竞争意识、盈利意识、风险防范意识也有所加强，寻求稳定可持续发展业务愿望更加迫切。而中间业务因其具有的特性，地位不断提升。但我国商业银行在中间业务目前发展状况并不理想。我国商业银行中间业务同西方发达国家仍有很大差距。因此，我们需要从思想上重视，并未其发展提高良好和环境。关键词：商业银行；中间业务Thedevelopmentofintermediatebusinessofcommercialbanks:ProblemsandCountermeasuresABSTRACTTheintermediatebusinessofcommercialbanksreferstothebanknottousetheirownassetsoronlyuseverylittleoftheirassets,usetheirtalents,institutions,silvertechnology,informationandotheradvantages,fromthemiddleoftheidentityofthepersonforthecustomerforthepaymentandothermattersentrusted,providesvariousfinancialservicesandtocollectthefeesbusiness.Nowadays,thecompetitionamongcommercialbanksisbecomingincreasinglyfierce,andtheprofitmarginsaredeclining,thecommercialbankstosurvivethepressureisincreasingyearbyyear.EspeciallyintheSoutheastAsiafinancialcrisisbrokeoutin1997,commercialbankitselftotheconsciousnessofcompetition,profitabilityawareness,awarenessofriskpreventionhasalsobeenstrengthened,stableandsustainabledevelopmentofbusinesstoseekamoreurgentdesire.Intermediatebusinessisduetoitscharacteristics,thestatusofcontinuousimprovement.Butourcountrycommercialbankinthemiddleofthecurrentbusinessdevelopmentisnotideal.TheintermediatebusinessofcommercialbanksinChinaisstillabiggapwiththedevelopedcountriesofthewest.Therefore,weneedtopayattentiontofromthethought,notthegoodandenvironmentdevelopment.Keywords:CommercialBank;IntermediateBusiness目录1绪论………………………..……………………………….………………………….11.1选题目的和意义………………………………………………………………………11.2文献综述……………………………………………………………………….………11.3论文思路………………………………………………………………………………22商业银行中间业务的概述……………………………………………...32.1商业银行中间业务的含义…..……………………………………………………..32.1.1商业银行中间业务的概念…………………………...…………………….32.1.2商业银行中间业务的性质………………………….………………………..52.2商业银行中间业务的地位和作用……………………….………………………..62.2.1中间业务在商业银行业务中的地位…………………………………….…...62.2.2商业银行中间业务的作用……………………………………....…63我国商业银行中间业务的发展…………………….…