商业银行中间业务发展策略分析——以中国建设银行为例

商业银行中间业务发展策略分析一一以中国建设银行为例摘要：根据对国内商业银行的业务发展模式进行详细的分析调查后发现，银行所获取利润的主要来源是存贷款之间的利差，而作为附属业务之一的中间业务并没有被金融商业银行的管理者所重视。近年来，国内的金融体制不断改革。国内市场化利率的动态变化导致中间业务风险逐渐降低，银行也因此将其作为主要的利润收入来源之一，有关中间业务发展模式也逐渐成为各大银行的关注重点。但目前商业银行中间业务还存在产品雷同、人才短缺、发展不规范的问题。文章从中国建行目前的发展状况出发，对其进行了深刻的分析。在详细调查国内外有关商业银行发展模式的文献资料后，不断总结经验，根据当前发展现状当中存在的问题和缺陷总结出修改意见并加以完善。关键词：中间业务：商业银行：发展现状IAnalysis of Commercial Banks'Intermediate BusinessDevelopment Strategies--China Construction Bank as anExampleAbstract:According to a detailed analysis of the business development modelof domestic commercial banks,it is found that the main source of profit for banks isthe spread between deposits and loans,while intermediate business,which is one ofthe subsidiary businesses,is not paid much attention by the managers of financialcommercial banks.In recent years,the domestic financial system has been constantlyreformed.The dynamic changes of domestic market interest rates have led to agradual reduction of the risk of intermediate business,and banks have thereforetaken it as one of the main sources of profit income,and the development model ofintermediate business has gradually become the focus of attention of major banks.However,there are still problems of similar products,talent shortage and irregulardevelopment in commercial banks'intermediate business.The article presents aprofound analysis of China Construction Bank from its current developmentsituation.After a detailed survey of domestic and international literature on thedevelopment model of commercial banks,it continuously summarizes the experience,concludes the modification opinions and improves them according to the problemsand defects existing in the current development status.Keywords:Intermediate business;Commercial Banking;Development Status目录滴要Abstract......一、绪论(一)研究背景及意义1.选题背景2.选题意义.…(二)研究现状综述1.国外现状.2.国内现状….23.文献评述.3(三)研究内容与方法1.研究内容2.研究方法….3二、相关理论概述..4(一)商业银行中间业务概述….41.商业银行中间业务的定义2.商业银行中间业务的分类…3.商业银行中间业务的特点三、中国建设银行中间业务发展现状..5(一)中国建设银行简介.0005(二)中国建设银行中间业务发展现状.51.建设银行总体发展情况…2.建设银行中间业务发展情况….6四、中国建设银行中间业务存在的问题.8(一)中间业务占比较小….8(二)缺乏创新性和多样性…9(三)中间业务监管力度与管理层次水平很低9(四)专业队伍人才不足与综合服务能力欠缺9五、中国建设银行中间业务发展对策.10(一)提高中间业务竞争力101.扩大经营范围.10Ⅲ2.加强与第三方的合作.(二)提高中间业务创新能力.101.开发自身特色产品..1门2.提高代理服务创新…11(三)加强中间业务监督管理111.完善自身发展体系.112.设置专门机构管理.113.实行激励考核制度…12(四)建立人才培养机制.121.建立健全人才培养机制.122.促进银行团队协作建设13六、结语.13参考文献.13致谢..15v