我国商业银行中间业务问题研究.doc

摘要：我国金融领域对外全面开放后，内资银行与外资银行的竞争将主要体现在中间业务上。中间业务已成为国外许多商业银行利润的主要来源，我国银行的中间业务仍处于初级阶段，银行对中间业务的认识不够深刻，还暴露出管理经验不足、人才匮乏、技术力量薄弱等问题。本文从财务角度出发，从我国商业银行中选取几个代表，对其财务报表相关数据进行分析，包括中间业务净入收；中间业务净收入占总收入之比；中间业务构成及构成部份所占比例等指标。通过分析得出我国商业银行中间业务的发展现状，找出差距和存在的问题，提出可行性建议。

关键字：商业银行   中间业务   个人理财   建议及对策

Abstract: After the full open of our country’s financial sector,the competition between foreign and domestic banks mainly focuses on intermediary business. Intermediary business has already become the main source of foreign commercial banks’profits .In our country, intermediary business of commercial banks  is still in the primary stage and they don’t have a good understanding of it.Such phenomenons exposed that we are lack of experience,human resource and technology. This article has make some analysis of selected financial statements of some representative domestic commercial banks standing in the financial Angle, including net profit of intermediary business,the percentage of net profit of intermediary to total income,the forming parts of intermediary business and the proportion of each part. By analyzing different ratios,this article shows current situations of intermediary business in domestic banks,finds out gaps and problems and gives feasible suggestions and countermeasures.

Key words:Commercial Banks; Intermediary Business;Personal Finance; Suggestion and Countermeasure

　　　中间业务以其风险小，收益高的优点受到各国银行的青睐，尤其是在发达国家，已成为商业银行收入和利润的主要来源。近年来，我国商业银行也开始注重中间业务的发展与推陈出新，中间业务也得到了快速的发展。但是，与西方发达国家相比，我国商业银行在中间业务的范围、品种、功能、效益等方面都存在巨大的差距。本文从从财务角度出发，通过财务数据对我国较有代表性的几家商业银行的中间业务进行分析探讨并和港股银行进行对比分析，找出差距和问题所在，为我国商业银行中间业务的发展提出可行性建议。