建行黑龙江分行中间业务拓展对策研究
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摘要
中间业务是现代商业银行主要的利润增长点，因而成为近年来发展最快的金融业务，目前仍然保持着高速增长的能力，但任何一种产品都有其生命周期，因而必须重视利用金融创新并以金融创新为基础来拓展中间业务，才能实现其可持续发展。
中国加入WTO，对中国的整个经济来讲，既是一个机遇又是一种挑战，随着中国金融市场的逐步对外开放，外资银行将逐渐进入，中国国有商业银行将会面临前所未有的冲击。中间业务作为国际银行业发展的潮流，必然会成为外资银行首要的竞争目标。因为中间业务在我国是一块尚未被全面深入开发的领域，对外资银行而言，及早介入风险较小的中间业务领域会有巨大的获利潜力。因此，外资银行会选择中间业务作为进入中国市场的突破口。
本文主要以商业银行中间业务理论为基础，通过对国内外主要商业银行中间业务的发展情况进行比较分析，总结归纳其中间业务拓展的先进方法，充分认识利用金融创新来发展中间业务和加强对中间业务经营管理的重要性和紧迫性。得出充分利用金融创新并以金融创新为依托来拓展中间业务，加强对中间业务的经营与管理是实现商业银行中间业务可持续发展的关键的结论。并通过对中国建设银行黑龙江分行近几年中间业务的经营情况和产品结构的统计与分析，以及与国内外主要商业银行进行对比分析，发现其所存在的优势和不足，结合其实际情况，主要针对中间业务的缺陷，提出黑龙江建行只有提高对金融创新的战略地位的认识，加大金融创新在中间业务领域的应用，扩大对金融创新的投入等一系列以金融创新为基础的中间业务改革对策，这样建行黑龙江分行才能提高中间业务的竞争力，才能充分发掘中间业务的发展潜力，才能保持中间业务的可持续发展。同时，这将会为国内各商业银行中间业务的发展提供一个新的思路。
As the main profit increasing point, the intermediary business became the fastest growing financial business, and still keeps the fastest speed of growing. However, for each product has its life cycle, the achievement of the continue development of intermediary business must lay on the basis of financial innovation.
To Chinese economy, China' s WTO entry brings not only opportunities but also challenges. With the open of hers financial market, foreign banks will come in step by step and threat strongly to the development of Chinese nationalistic commercial bank. As the popular trend of the development international financial business, the intermediary business must become the chain object of the foreign banks competing for, while it is an area of not fully and deeply exploit in financial business, foreign banks could earn huge potential profits with little risks if they could take part in this area early. So the foreign banks must select the intermediary business of basing of basing on financial innovation as the breakthrough point in competing with Chinese nationalistic commercial bank.
This thesis has provided the theories of the intermediary business of commercial bank, presented the currently developing situation and trend of domestic and international commercial banks and looked forward the prospects of them. By way of statistical analyze operational situation and the product structure, compared it with the main commercial banks at home and abroad, this thesis discovered its advantages and weaknesses of the intermediary business of the
Heilongjiang branch of China Construction Bank (CCB). Moreover, this thesis abstracted the scientific theories and advanced ways of the intermediary business and concluded that the development of the intermediary business based on the financial innovation was the key way to realize the continue development of intermediary business. What' s more, according to its present situation and its chief shortcomings, this thesis made some suggestions, i. e. improving the recognize the strategic situation of financial innovation, reinforcing the application in the area of financial innovation in the intermediary business, enlarging the input in financial innovation and realizing the continue development of the intermediary business acts to advanced its competence, tap the latent power and realize the continue development of the intermediary business of Heilongjiang branch of CCB. As the same time, these suggestions could provided a new thinking for the development of the intermediary business of domestic commercial ban
ks.
中国加入WTO，对中国的整个经济来讲，既是一个机遇又是一种挑战，随着中国金融市场的逐步对外开放，外资银行将逐渐进入，中国国有商业银行将会面临前所未有的冲击。中间业务作为国际银行业发展的潮流，必然会成为外资银行首要的竞争目标。因为中间业务在我国是一块尚未被全面深入开发的领域，对外资银行而言，及早介入风险较小的中间业务领域会有巨大的获利潜力。因此，外资银行会选择中间业务作为进入中国市场的突破口。
本文主要以商业银行中间业务理论为基础，通过对国内外主要商业银行中间业务的发展情况进行比较分析，总结归纳其中间业务拓展的先进方法，充分认识利用金融创新来发展中间业务和加强对中间业务经营管理的重要性和紧迫性。得出充分利用金融创新并以金融创新为依托来拓展中间业务，加强对中间业务的经营与管理是实现商业银行中间业务可持续发展的关键的结论。并通过对中国建设银行黑龙江分行近几年中间业务的经营情况和产品结构的统计与分析，以及与国内外主要商业银行进行对比分析，发现其所存在的优势和不足，结合其实际情况，主要针对中间业务的缺陷，提出黑龙江建行只有提高对金融创新的战略地位的认识，加大金融创新在中间业务领域的应用，扩大对金融创新的投入等一系列以金融创新为基础的中间业务改革对策，这样建行黑龙江分行才能提高中间业务的竞争力，才能充分发掘中间业务的发展潜力，才能保持中间业务的可持续发展。同时，这将会为国内各商业银行中间业务的发展提供一个新的思路。
As the main profit increasing point, the intermediary business became the fastest growing financial business, and still keeps the fastest speed of growing. However, for each product has its life cycle, the achievement of the continue development of intermediary business must lay on the basis of financial innovation.
To Chinese economy, China' s WTO entry brings not only opportunities but also challenges. With the open of hers financial market, foreign banks will come in step by step and threat strongly to the development of Chinese nationalistic commercial bank. As the popular trend of the development international financial business, the intermediary business must become the chain object of the foreign banks competing for, while it is an area of not fully and deeply exploit in financial business, foreign banks could earn huge potential profits with little risks if they could take part in this area early. So the foreign banks must select the intermediary business of basing of basing on financial innovation as the breakthrough point in competing with Chinese nationalistic commercial bank.
This thesis has provided the theories of the intermediary business of commercial bank, presented the currently developing situation and trend of domestic and international commercial banks and looked forward the prospects of them. By way of statistical analyze operational situation and the product structure, compared it with the main commercial banks at home and abroad, this thesis discovered its advantages and weaknesses of the intermediary business of the
Heilongjiang branch of China Construction Bank (CCB). Moreover, this thesis abstracted the scientific theories and advanced ways of the intermediary business and concluded that the development of the intermediary business based on the financial innovation was the key way to realize the continue development of intermediary business. What' s more, according to its present situation and its chief shortcomings, this thesis made some suggestions, i. e. improving the recognize the strategic situation of financial innovation, reinforcing the application in the area of financial innovation in the intermediary business, enlarging the input in financial innovation and realizing the continue development of the intermediary business acts to advanced its competence, tap the latent power and realize the continue development of the intermediary business of Heilongjiang branch of CCB. As the same time, these suggestions could provided a new thinking for the development of the intermediary business of domestic commercial ban
ks.
引文
1 刘惠好．商业银行中间业务发展对策研究．财贸经济2001(8)：36-39
2 李云庆．商业银行中间业务．兰州大学出版社，1999．20-33
3 Kapstein, E.Surperusing. International Banks: OriginS and Complications of the Basle Accord. Princeton University, Essays in International Finance, #185, 1991. 187-188
4 龚方乐．关于商业银行中间业务创新与发展的若干思考．中国金融．2000(7)：36-37
5 吴炳康．加快发展中间业务迎接国际金融挑战．建行报，2002．3．19．3版
6 中国人民银行．商业银行中间业务暂行规定．2001．6
7 黄杰、李驹．我国商业银行发展中间业务的思考．武汉理工大学学报．2001(10)：81-86
8 中国人民银行．中国人民银行关于落实《商业银行中间业务暂行规定》有关问题的通知．2002．4
9 邓世敏．商业银行中间业务．中国金融出版社，2000：2-4
10 生柳荣．当代金融创新．中国发展出版社，1998：8
11 梁大鹏、张旭．金融创新对金融深化的作用分析．金融科学．2001(3)：31-33
12 Miller, Mertion. H. Financial Innovation: the Last Twenty years and the Next Journal Of Financial and Quantatinc Analysis. Dec, 1986:87-88
13 汪渝．试论商业银行表外业务的发展与风险防范．经济问题．2001(9)：38-41
14 黄文灼．对银行科技发展战略的思考．城市银行．2001(3)：13—15
15 刘园编．商业银行表外业务及风险管理．对外经济贸易大学出版社，2000：323-326
16 胡章宏．中间业务市场已具雏形．现代商业银行．2001(4)：45—46
17 家文．直面入世后的考验全力打造中“坚”业务．建设银行报．2001．11．22：3版
18 俞立．商业银行中间业务的发展与对策．现代商业银行导刊．2001(1)：21—23
19 胡可兆．金融创新：商业银行发展的灵魂．金融科学．2001(2)：32—34
20 姜清源、刘坤甯．对发展我国商业银行中间业务的探讨．经济问题探索．200 1(8)：62—63
21 李革森．我国商业银行如何发展中间业务．管理现代化．2001(4)：55-57
22 谢伟江．银行中间业务亟待解决．金融会计．2001(8)：7—10
23 许庆瑞．研究、发展与技术创新管理．高等教育出版社，2000：14—15
24 刘岩方．试论国有商业银行业务创新的基本思路与具体方略．金融论坛．2002(1)：28—31
25 葛清俊、魏强．谈我国商业银行发展中间业务的对策．东北财经大学学报．2001(9)：49—51
26 Hempcl, Simonmn and Cokeman.Bank Manageme Text Cases, John Wiley and Sonslnc. 1994: 126-128
27 俞乔军．商业银行管理学．上海人民出版社，1998：651—654
28 杨子强．中间业务：中外商业银行竞争的焦点．金融理论与实践．2000(3)：10—13
29 Broaddus, A.Financial innovation in the United States-background, current status and prospects.Economic Review (Federal reserve Bank of Richmond),71,1999:181-186
30 梁立俊、安荣．国有商业银行发展中间业务的现实需求和框架构想．金融论坛．2002(2)：32-35
31 张丽．以先进的组织架构为依托努力向国际性商业银行迈进．建设银行报．2001．10．16：3版
2 李云庆．商业银行中间业务．兰州大学出版社，1999．20-33
3 Kapstein, E.Surperusing. International Banks: OriginS and Complications of the Basle Accord. Princeton University, Essays in International Finance, #185, 1991. 187-188
4 龚方乐．关于商业银行中间业务创新与发展的若干思考．中国金融．2000(7)：36-37
5 吴炳康．加快发展中间业务迎接国际金融挑战．建行报，2002．3．19．3版
6 中国人民银行．商业银行中间业务暂行规定．2001．6
7 黄杰、李驹．我国商业银行发展中间业务的思考．武汉理工大学学报．2001(10)：81-86
8 中国人民银行．中国人民银行关于落实《商业银行中间业务暂行规定》有关问题的通知．2002．4
9 邓世敏．商业银行中间业务．中国金融出版社，2000：2-4
10 生柳荣．当代金融创新．中国发展出版社，1998：8
11 梁大鹏、张旭．金融创新对金融深化的作用分析．金融科学．2001(3)：31-33
12 Miller, Mertion. H. Financial Innovation: the Last Twenty years and the Next Journal Of Financial and Quantatinc Analysis. Dec, 1986:87-88
13 汪渝．试论商业银行表外业务的发展与风险防范．经济问题．2001(9)：38-41
14 黄文灼．对银行科技发展战略的思考．城市银行．2001(3)：13—15
15 刘园编．商业银行表外业务及风险管理．对外经济贸易大学出版社，2000：323-326
16 胡章宏．中间业务市场已具雏形．现代商业银行．2001(4)：45—46
17 家文．直面入世后的考验全力打造中“坚”业务．建设银行报．2001．11．22：3版
18 俞立．商业银行中间业务的发展与对策．现代商业银行导刊．2001(1)：21—23
19 胡可兆．金融创新：商业银行发展的灵魂．金融科学．2001(2)：32—34
20 姜清源、刘坤甯．对发展我国商业银行中间业务的探讨．经济问题探索．200 1(8)：62—63
21 李革森．我国商业银行如何发展中间业务．管理现代化．2001(4)：55-57
22 谢伟江．银行中间业务亟待解决．金融会计．2001(8)：7—10
23 许庆瑞．研究、发展与技术创新管理．高等教育出版社，2000：14—15
24 刘岩方．试论国有商业银行业务创新的基本思路与具体方略．金融论坛．2002(1)：28—31
25 葛清俊、魏强．谈我国商业银行发展中间业务的对策．东北财经大学学报．2001(9)：49—51
26 Hempcl, Simonmn and Cokeman.Bank Manageme Text Cases, John Wiley and Sonslnc. 1994: 126-128
27 俞乔军．商业银行管理学．上海人民出版社，1998：651—654
28 杨子强．中间业务：中外商业银行竞争的焦点．金融理论与实践．2000(3)：10—13
29 Broaddus, A.Financial innovation in the United States-background, current status and prospects.Economic Review (Federal reserve Bank of Richmond),71,1999:181-186
30 梁立俊、安荣．国有商业银行发展中间业务的现实需求和框架构想．金融论坛．2002(2)：32-35
31 张丽．以先进的组织架构为依托努力向国际性商业银行迈进．建设银行报．2001．10．16：3版
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