【作者】 何朝君；

【导师】 李天德；

【作者基本信息】 四川大学 ， 世界经济， 2003， 硕士

【摘要】 中国加入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。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，对商业银行中间业务的研究，便成为当前我国商业银行研究的迫切课题。全文共分三章，在第一章，首先介绍了中间业务的基本概念、类型和特点，并对在我国普遍使用的中间业务与外国普遍使用的表外业务这两个基本概念作了比较分析。在第二章，通过对中外商业银行中间业务发展历程、相关法规、资金实力与收入来源比较分析，找出我国商业银行在开展中间业务方面与外资银行的差异：经验方面；法律法规方面；经营品种、范围方面；服务手段方面；人力资源管理以及经营理念等方面的差距。在此基础上，以金融创新理论为依据，在第三章，探讨我国商业银行制定开展中间业务策略：对目前可经营的业务和申请并经人行批准的中间业务的开拓与创新；对不准在我国境内经营的中间业务的应对措施。指出了当前重点开拓的中间业务品种并探讨了中间业务的收费问题。通过以上分析，论文认为，我国商业银行与外国商业银行在开展中间业务方面存在较大差距的情况下，要提高其市场占有率和盈利能力，提升与外国商业银行的竞争力，有两条途径：一是转变经营理念(以商业银行利润最大化为目标)；二是引进和培养懂业务、善管理、数学功底深厚的复合型人才，进行业务创新，不断推出市场需求大的新的金融产品。更多还原

【Abstract】 After China’s access to WTO, foreign banks have speeded up their pace to enter China’s financial market and have competed and collaborated with Chinese domestic banks. China’s commercial banks now have many difficulties to compete with foreign banks by their traditional operation of deposit and loan and have to inaugurate new profit sources. Thus, it is imminence for our banks to study the immediate business of commercial banking.This paper is composed of three chapters. The first chapter is about the basic conception, style and characteristic of immediate business and compares the conception of immediate business that is usually used in China with that of off-balance sheet of activities used abroad. Through comparing the differences in the field of history, regulation, capital strength and income source of immediate business between domestic and abroad, the second chapter finds out the lack of experience, regulation, scope, service, human resource management and business idea of China’s banking. Based on the analyzing above, the third chapter uses the theory of financial innovation and discusses such strategies which should be made by our commercial banks as the innovation of workable immediate business and the measures we should take about the forbidden one, points out the key variety of immediate business and probes into the charge for it. This paper thinks there are two approaches to increase ratio of market appropriation, profit and competitiveness of China’s commercial banks as well in the situation that China’s commercial banks are lack of foreign banks. The first approach is to change business idea, which is aiming at the maximum of profit. The second one is to attract and cultivate the person with ability of understanding business and person being good at management and innovation.更多还原