发展中间业务对商业银行盈利水平的影响分析
毕业论文关键词：中间业务收入 盈利水平 工商银行
The Study of the Intermediate Business Income Performance of China's Commercial Banks
Abstract: With the financial deepening and financial liberalization , the government has begun to introduce interest rate restrictions cautiously . The limits of financial markets and financial institutions have been reducing gradually . Compared to the past, Chinese commercial bank business environment and the economic situation is changed , the revenue model which rely on spreads is facing a lot of difficult challenges . Starting from the definition of the intermediary business , the paper makes comparisons and analysis for the development and achievements between domestic commercial banks and foreign commercial banks . The next part takes ICBC as an example , then summarizes the advantages and limitations Chinese commercial banks have in intermediate business . By analyzing the proportion of the intermediate business and the empirical research , we discussed the effect on business income performance by the intermediate business income . At last, the paper puts forward some related policy recommendations that ICBC need study and improve .
Key Words：the intermediary business revenue , profitability , ICBC
目录
一、绪论 - 1 -
（一）选题背景与意义 - 1 -
（二）文献综述 - 3 -
（三）研究思路及结构框架 - 5 -
（四）本文主要贡献与不足之处 - 5 -
二、中间业务相关含义阐述及其作用 - 6 -
（一）商业银行中间业务的含义 - 6 -
（二）商业银行中间业务收入界定 - 7 -
（三）中间业务的作用 - 8 -
三、国内与国外商业银行中间业务发展比较分析 - 9 -
（一）国外商业银行中间业务发展现状 - 9 -
（二）国内商业银行中间业务发展现状 - 9 -
（三）我国商业银行中间业务发展的制约因素 - 12 -
（四）国外商业银行中间业务发展的启示 - 12 -
四、工商银行中间业务的现状及实证分析 - 13 -
（一）工商银行的简介 - 13 -
（二）工商银行中间业务发展概述 - 14 -
（三）工商银行中间业务发展的实证分析 - 15 -
五、工商银行中间业务发展政策建议 - 17 -
(一)利用传统业务客户资源营销中间业务 - 17 -
（二）调整中间业务产品发展策略，确立差异化品牌定位 - 17 -
（三）加强电子信息技术平台建设，优化网点布局 - 18 -
优尔、参考文献. .-19 -
一、绪论
（一）选题背景与意义
1.选题背景
从现代商业银行的发展历程可以看出，其盈利模式从最开始的货币兑换不断变化为存贷款业务，直到当今“提供一揽子金融服务”这种发展模式被世界一流的商业银行所推崇。银行通过不断的业务创新从单一走向综合，再从综合发展为专业。尤其是当全球经济一体化的影响已经扩散到各行各业的近几年，金融业也发生了翻天覆地的变化，体制变革也更加深入。商业银行依托先进的科学技术，利用先进的技术设备在业务上不断创新。
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