【作者】 于凤芹；

【导师】 孙健； 武海峰；

【作者基本信息】 中国海洋大学 ， 金融学， 2003， 硕士

【摘要】 在金融自由化、银行经营综合化发展的背景下，以“高收益、低风险”为特征的中间业务，已成为现代商业银行发展的重点，也是入世后中外资银行竞争的焦点。面对规模、管理、技术、服务等各方面的劣势，以创新求发展成为国有商业银行唯一的选择。本文借鉴发达国家商业银行中间业务发展的成熟经验，结合我国商业银行中间业务发展的内部、外部的制约因素，提出了全面、深刻的创新思路。包括：制度创新、观念创新、产品创新、管理创新、服务创新五个方面。更多还原

【Abstract】 With the development of financial liberation and the commercial bank’s comprehensive business, intermediary operation, which is famous for its "high interest, low risk", has been a focus of modern commercial bank’s growth. After China’s entering into WTO, the foreign banks will also compete with Chinese banks in this field. Facing the disadvantages of scale, management, technology and service, the state-owned commercial banks must innovate, this is the only way to exist and develop. This thesis combines the ripe experience of developed countries’ commercial bank with the internal and external obstructions, which has restrained Chinese bank’s development, and then it supplies comprehensive and profound innovating method, that include the following five respects: system innovation, concept innovation, product innovation, management innovation and service innovation.更多还原