资源描述：
《商业银行中间业务的现状、问题及对策.doc》由会员上传分享，免费在线阅读，更多相关内容在工程资料-天天文库。
1、题目：商业银行中间业务的作用、问题及对策Topic:Theeffects,problemsandCountermeasuresoftheintermediatebusinessofcommercialbanks摘要随着我国加入世界贸易纽织，有步骤地扩大金融业的对外开放后，外资银行也很快携带着新的经营理念和新的服务手段进入了中国市场，与我国国资银行展开了激烈的竞争。我国国有商业银行将直接面对国际金融市场所带来的竞争。所以说，要在竞争中求生存，求发展,就必须加快创新的步伐。于是，在外资银行中十分被推崇的中间业务也受到了我国各大国资银行的重视。对于我国商业银行来说，大力开拓中间业务具有多方面
2、的现实意义，由于我国商业银行中间业务起步较晚，所以在现实经营管理中存在着诸多问题：如运作不规范，缺乏完整体系的科学管理；品种单一，开发力度不够；收费不规范等等。面对愈发激烈的国际金融市场竞争，我国商业银行应该提高中间业务重要性的认识，完善业务管理体制，加大业务产品的开发与营销等等积极应对挑战。本文就我国商业银行中间业务进行了一系列阐述。介绍了中间业务发展的由来、概念以及种类，强调了发展中间业务的重要意义，描述了中间业务的现状,分析了中间业务发展目前存在的问题，并提出了中间业务良性发展应该采取的对策关键词：商业银行中间业务问题对策AbstractWithChina7saccessiont
3、otheworldtradeorganization,stepbysteptoexpandthebankingindustryopeningtotheoutsideworld,foreignbankswillsooncarrythenewbusinessideasandnewmeanstoentertheChinesemarket,fiercecompelitionwithChina'sstate-ownedbanks.China'sstate-ownedcommercialbankswilldirectlyfacetheinternationalfinancialmarketcomp
4、etitionbroughtaboutbythe.Therefore,toseeksurvival,seekdevelopmentinthecompetition,wemustacceleratethepaceofinnovation.Thus,theintermediatebusinessinforeignbanksisveryrespectedbythestate-ownedbanksinChinapayattentionto.Forthecommercialbanksofourcountry,andvigorouslydevelopintermediarybusinesshasp
5、ractica1significanceinmanyaspects,sincetheintermediatebusinessofcommercialbanksinChinastartedlate,sotherearemanyproblemsinthepracticalmanagement:iftheoperationisnotstandard,thelackofscientificmanagementsystem;productofasingle,inadequatedevelopmentdoesnotregulatefeesandsoon.Facingtheincreasinglyf
6、iercecompetitionintheinternationalfinancialmarket,ourcountrycommercialbankshouldimproveunderstandingofintermediatebusinessofimportance,perfectbusinessmanagementsystem,increasetheserviceproductdevelopmentandmarketingandsoontoactivelyrespondtocha1lenges.Inthispaper,theintermediatebusinessofcommerc
7、ialbanksinChinahavecarriedoutaseriesofelaborate.Introducestheorigin,developmentofintermediatebusinessconceptsandcategories,andemphasizedthesignificanceofthedevelopmentoftheintermediatebusiness,describesthecurrentstatusofinte
