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基于SWOT分析下的我国国有商业银行发展中间业务的策略研究.doc
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基于SWOT分析下的我国国有商业银行发展中间业务的策略研究.doc
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基于 SWOT 分析下的我国国有商业银行发展中间业务的策
略研究
中文摘要
中间业务是指不构成商业银行表内资产、表内负债形成银行非利息收入的
业务。商业银行经营管理理论,从资产管理到负债管理再到资产负债管理的变
迁,无一不体现了商业银行为寻求生存发展之道而不断调整自己业务结构这一
规律。到了 20 世纪 70 年代,国际金融形势剧变,使得商业银行再次面临冲击,
中间业务品种的一系列创新使它逐渐成为商业银行经营的一个重要部分,并与
资产业务、负债业务并称为现代商业银行三大业务。多年来,中间业务以其低
成本、低风险、高收益的优势而获得了长足发展。自 20 世纪 80 年代以来,西
方商业银行大力拓展中间业务。随着中间业务规模的迅猛扩张,西方商业银行
中间业务收入更是成为其利润的重要来源,中间业务在促进商业银行资产负债
质量的改善和盈利能力的提高方面,作用十分明显。在新形势下,发展中间业
务是我国国有商业银行培育新的效益增长点、提升竞争力、抵御外资银行冲击,
满足其自身生存发展内在要求的必然选择。随着金融业竞争的日益激烈、金融
风险的日益加剧、投资者金融意识的不断增强以及信息技术的不断进步,发展
中间业务,大力拓展中间业务领域,已经成为国有商业银行必须积极应对的问
题。
我国金融市场经营环境的深刻变化在给我国国有商业银行加快中间业务
发展带来机遇的同时,也带来了新的风险和挑战。面对机遇和挑战,如何抓住
机遇,扬长避短,顺应市场变化,加快发展中间业务,值得我国国有商业银行
认真研究与探索。本文从中间业务的基本概念入手,通过大量的调研对我国国
有商业银行中间业务进行综合分析,结合管理学中的 SWOT 分析法,总结归纳
出我国国有商业银行中间业务发展中存在的优势、劣势、机会及威胁等各方面
因素,进而从外部宏观环境和内部发展策略两方面提出相应的建议措施。
关键词:国有商业银行、中间业务、SWOT 分析、策略
作者:彭一
指导老师:姚海明 教授
Study of Intermediary Business of State-owned Commercial Banks Development
Strategy Based on the SWOT Analyse
Abstract
The intermediary business of commercial banks refers to the non-interest income
business that does not influence the on-balance sheet assets and liabilities.The
law that bank adjusts continually its business structure for seeking the roads of living
and
development is embodied in the business adjustment from assets management to
liabilities management to assets-liabilities management.To the 70’s of the 20
th
century,commercial banks encountered intense shock.A series of innovation of types
of intermediary business make it become an important part of banks.Running
intermediary business,assets business and liabilities business are regarded as three big
pillar businesses of modern commercial banks.Intermediary business achieves full
development,as a result of its advantages of low costs,risk and high income.In
developed countries,commercial banks began to expand their intermediary business
since 1980s.And till now,the income based on the intermediary business has become
an important source of the profits of these banks.The intermediary business can not
only improve the quality of the bank’s assets and liabilities, but also increase their
profitability.In the new situation,developing the intermediary business is the
inevitable choice which can raise the benefit,improve the competitiveness, resist the
shocks of foreign banks and satisfy the development need as well for the state-owned
banks.As the competition has become fiercer and financial risk higher,and investors
financial awareness have become strengthened and information&technology has
made a big progress,developing the intermediary business and expanding the
business
field are the difficulties that state-owned banks have to positively face up
with.With the great change of the environment in the financial market in our country,it
brings not only the opportunities,but also the new risks and challenges.How to
balance the opportunities and challenges and how to exert the strength and to avoid
the weakness are the issue which are valuable to be studied and explored.
This thesis starts from the basic concept of intermediary business and
generalizes the strength and weakness,opportunity and threat of state-owned
commercial banks in the intermediary business with the method of SWOT based on
the research and analyses of them.Then this thesis provides some suggestion and
strategies from external macro-environment aspects and internal development strategy
ones.
Key words:State-owned commercial banks,Intermediary business,SWOT
analysis,
Suggestion and strategy.
Written by:Peng Yi
Supervised by:Professor Yao Haiming
目录
第一章导
论...................................................................................................................... 1
1.1 研究背景与研究意
义.............................................................................................. 1
1.1.1 研究背
景.........................................................................................................1
1.1.2 研究意
义.........................................................................................................2
1.2 文献综
述..................................................................................................................3
1.2.1 中间业务发展动因方
面:.............................................................................3
1.2.2 中间业务发展的必要性方
面:.....................................................................3
1.2.3 中间业务存在的问题方
面:.........................................................................4
1.2.4 中间业务发展策略方
面:.............................................................................4
1.3 中间业务的概
述......................................................................................................5
1.3.1 中间业务的含
义.............................................................................................5
1.3.2 中间业务的特
点.............................................................................................6
1.3.3 中间业务的分
类.............................................................................................7
1.4 研究框架和结构安
排..............................................................................................9
1.5 创新和不
足.............................................................................................................10
1.5.1 创
新...............................................................................................................10
1.5.2 不
足...............................................................................................................11
第二章商业银行中间业务的相关理
论..........................................................................12
2.1 中间业务相关理
论................................................................................................12
2.1.1 规避“监管税收效应”假说.......................................................................12
2.1.2 与银行风险及风险分担有关的假
说...........................................................12
2.1.3 由于信息不对称造成的“道德风险”假说...............................................13
2.1.4 竞争市场模
型...............................................................................................14
2.1.5 TRICK 模
型..................................................................................................14
2.1.6 其他与中间业务有关的理
论.......................................................................15
2.2 理论述
评................................................................................................................16
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