毕业论文《关于我国银行业中间业务经营现状的调研报告》.doc

关于我国银行业中间业务经营现状的分析 摘 要 自2006年底以来，随着一批批外资银行先后获准在我国经营人民币业务，我国银行业已形成与狼共舞的经营格局，外资银行的进驻在推动我国金融业进一步国际化的同时，也给我国银行业带来了不可低估的竞争压力。相比国际同行，我国银行业在诸如资金规模、风险管理水平，新产品开发能力等等方面均有一定差距，但在所有劣势中，中间业务的经营劣势最甚。发达国家银行业的利润主要源于中间业务，而我国银行业的利润依然主要依赖传统的存贷利差收益，随着利率市场化的推进和深化以及外资银行在我国人民币业务的不断拓展，我国银行业必须大力拓宽中间业务的范围，开辟新的盈利渠道，才能跟上国际银行业的发展趋势，惟其如此，才能坚守、巩固好家门口的业务领地并不断提升竞争力。 随着2009年5月中山市成为广东省的科技金融战略合作试点城市以来，一大批国内股份制银行及外资银行纷纷在中山开设营业网点，中山市银行业的发展呈百花齐放之势,在中间业务方面，各大银行纷纷采取有力措施企图分得更大的市场份额，获得更多的盈利空间，鉴于此，本人选择了中国工商银行中山分行为调查对象，企图通过解剖一个麻雀，充分了解我国银行业中间业务发展的现状，为制定推动我国银行业中间业务发展的相关对策建议获得第一手资料。 关键字：中间业务；经营现状；对策 Study on intermediary business of Chinas Banking Industry Abstract Since the end of 2006, groups of foreign banks have been allowed to conduct RMB business in China. The presence of these foreign banks is promoting the internationalization of Chinas financial industry further, but to our country banking sector, the pressure of competition can not be underestimated. Compared to those international counterparts, Chinas banking sector has a certain gap in such as finance, risk management, new product development capability, etc. But in all these disadvantages，Intermediary business is the worst. In many developed countries, the profits of banking industry are mainly from intermediary banking business, while China’s banking industry is still rely mainly on traditional deposit and loan interest rate income. With promoting and deepening the interest rate market, as well as foreign banks continuing to expand RMB business, Chinas banking industry must strive to broaden the range of intermediate business and open up new profit channels to keep up with the development trend of international banking and sharpen our competitive edge. In my view, basined on my research on the intermediate business of Industrial and Commercial Bank of China, I have studied on the current status, business model and development strategy of intermediary business of China Banking Industry deeply to search the scientific and effective mode of operat