我国上市的城市商业银行中间业务的发展研究[论文+任务+开题+综述+外文]可编辑

BIYELUNWEN

（20_ _届）

我国上市的城市商业银行中间业务的发展研究

所在学院

专业班级金融学

学生姓名学号

指导教师职称

完成日期年月

摘要

20世纪80年代后，以中间业务产品创新作为代表的金融业务创新活动特别突出，它改变了现代商业银行的业务结构，使中间业务成为与传统资产、负债业务并重的第三大支柱业务。随着金融全球化、经济一体化的发展，尤其是国际资本市场的发展，银行业中间业务已成为国际银行业重要的发展战略，大力发展中间业务已经成为现代商业银行经营的主要方向。

本文从城市商业银行的定义和特征出发，总结了我国上市城市商业银行发展的背景，现状以及中间业务的发展趋势和存在的问题，重点分析了北京银行，宁波银行，南京银行2008-2010年近三年的中间业务数据，得出了目前上市城市商业银行中间业务发展普遍存在的一些问题，并从规模现状，品种现状，收入现状，管理现状，同业现状5个角度深入分析了中间业务发展存在的问题，并提出了一些针对性的解决策略和具体措施。

关键词：城市商业银行；中间业务；策略

Abstract

After80 years of the 20th century to the middle of the business of product innovation for the innovation activities on behalf of the financial services especially, it changes the structure of modern commercial banking business, so the middle of the business as with traditional assets, liabilities,business operations both in the third pillar.With financial globalization, economic integration, particularly in the development of international capital markets, banking intermediary business has become an important development strategy for the international banking industry; to develop intermediary business has become a modern commercial bank operating in the main direction.

City commercial banks are the product of the financial system, which is based on urban credit cooperatives in the specification by the formation of new joint-stock principle of local financial institutions. After years of reform and development, the city commercial banks have been greatly developed, but there are still inadequate in many ways: such as the high proportion of non-performing loans; the low quality of personnel; lack of innovation; the local government is often the largest shareholder, the leadership the appointment of the board of directors is not in accordance with the intention of the government and has a deep color and so on. In the foreign bank's capital strength, to carry out the business is relatively mature, the trend has shown aggressive, state-owned commercial banks have strong support of national policy, but also has a large joint-stock commercial banks and financial advantages of the institutional advantages of the premise, city commercial banks how to give full play to their expertise, tailored to the middle of the business development strategy and a good strategy for the financial industry in the next fierce competition, the continuous development of innovation.

In this paper, the definition of city commercial banks, and characteristic, summed up the middle of city commercial banks in China business development background, current situation and problems in the middle of business development and improvement.

Keywords: city commercial banks; intermediary business; Development