我国商业银行中间业务发展路径研究

【作者】 梁雅敏；

【导师】 董寿昆；

【作者基本信息】 湖南大学 ， 金融学， 2003， 硕士

【摘要】 商业银行的中间业务是一种既古老而又崭新的银行业务。从最初的兑换、保管发展到现代，中间业务的内涵和外延已经发生了翻天覆地的变化。已成为商业银行的支柱之一。本文从商业银行中间业务发展的制度因素出发，研究了我国商业银行中间业务的发展路径问题。 首先，作者结合国际金融业制度的变迁，分析了国际上商业银行中间业务的发展历程。认识到分业经营制度对商业银行中间业务发展的束缚作用，且正是分业经营制度的渐趋瓦解和松动，为国际银行业中间业务提供了快速发展的空间。 中间业务的开展程度是商业银行业务范围的缩影。因此，对商业银行范围经济状态的衡量，可以对商业银行中间业务的作用作一个评价。通过对我国商业银行范围经济状态的实证分析，得出以下结论：四大国有商业银行范围经济性较强，而十家股份制商业银行的范围经济性较弱。因此，四大国有商业银行更有拓展中间业务的能力。这主要是由于它们有网点、信息和资本等方面的优势。在此基础上，作者结合这两类银行各自的特点，对它们的现状及存在的问题进行了剖析。 中国现行的分业经营制度对商业银行中间业务产生制度性约束。分业制度束缚了中间业务的创新及盈利水平。在中国金融市场日益开放的情况下，我国商业银行中间业务创新能力的不足拉伸了与外资商业银行之间的差距。为提高竞争力，各商业银行开展各种新兴中间业务，从而绕开分业制度的限制，实现一定程度的综合经营。对中间业务的外部需求与商业银行的内在动力共同推动商业银行中间业务的发展，客观上要求管理层进行制度创新，放松对中间业务的管制，并以此搭建起一座通往全能银行的桥梁。更多还原

【Abstract】 Commercial banks’ intermediary business is a old and developing business. From the initial exchange and keeper to now, the intension of commercial banks’ intermediary business has changed giganticly. Commercial banks’ intermediary business has become one of commercial banks’ mainstays. From the systematic factor for the development of commercial banks’ intermediary business, this paper aim to study the way to develop commercial banks’ intermediary business.First, in connection with international financial system’s revolution, the history of commercial banks’ intermediary business is analyzed, from which can we know that the principle of business seperation has negetive effect on the development of commercial banks’ intermediary business. Just the loosen of the principle of business seperation that gives more chance to the development of intermediary business of commercial banks.Commercial banks’ intermediary business reflects the level of commercial banks’ management So, the economy of scope gives an evidence for commercial banks’ intermediary business’ development. After analysis, the result comes out: Because the Four Big is strong in its scope of economy, they have tremendous space for intermediary business. The capability comes from their big sales network and other factors. While the other smaller banks, for the lack of sales network and capital, etc, have little space for intermediary business. So, different measures should be applied to the two kinds banks respectively.The principle of business seperation in China restricts Chinese commercial banks’ intermediary business systematically. It gives a curb on the innovation of commercial banks’ intermediary business. So, banks’ profit is contracted. That enlarged the difference between Chinese banks and foreign banks. To improve competence, commercial banks strike to more new intermediary business. Huge demand for intermediary business has pushed intermediary business to develop more fastly, and at the same time, requires some change in existing principle of business seperation. In a word, the development of intermediary business should aim to compound instrument which at the intersection of commercial banks and other financial market business. On the base of that, the way to universal bank can be bridged.更多还原