商业银行的发展现状

商业银行的发展现状

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论文标题: 商业银行发展的现状

目录

中文摘要 (3)

第一章商业银行的产生和发展商业银行 (5)

第一阶段：出现了货币兑换业和兑换商。 (5)

第二阶段：货币兑换业演变成货币经营业。 (5)

第三阶段：银行业与银行的产生。 (5)

第二章商业银行的现况 (5)

第一，注重顶层设计，再造业务流程。 (6)

第二，整合相应资源，打造平台经济。 (6)

第三，构建多方合作渠道，借力发力。 (6)

第四，探索体制创新，实现专业化运作。 (6)

第三章我国商业银行存在的问题 (6)

一商业银行国有化程度高，内部机制不健全 (6)

二不良贷款率持续上升，迎来新挑战 (7)

三按揭贷款和信用卡等粗放竞争带来的整体性风险不断积累 (7)

第四章银行未来发展趋势 (7)

一大幅提升客户体验。 (7)

二是引导客户及员工行为。 (8)

三是指导银行打破固有经营模式。 (8)

参考文献 (8)

商业银行在一个国家的经济中起着至关重要的金融中介作用。在过去几年里，由于经济的快速的增长以及宽松的经济政策，中国银行业维持了高速增长的势头。但是在资产质量、经营管理和风险管理等方面还存在许多问题,许多银行面临沉重的历史包袱,如果处理不当,银行系统可能成为中国经济持续发展的障碍,甚至印象整个经济的稳定,本文对中国的商业银行的现状做了一下分析,并在此基础上对今后几年发展轨迹做几点推断和建议。

商业银行，英文缩写为CB，其网络通俗谐音是“存吧”，意为存储银行。商业银行的概念是区分于中央银行和投资银行的，是一个以营利为目的，以多种金融负债筹集资金，多种金融资产为经营对象，具有信用创造功能的金融机构。一般的商业银行没有货币的发行权，传统的商业银行的业务主要集中在经营存款和贷款（放款）业务，即以较低的利率借入存款，以较高的利率放出贷款，存贷款之间的利差就是商业银行的主要利润。商业银行的主要业务范围包括吸收公众、企业及机构的存款、发放贷款、票据贴现及中间业务等。它是储蓄机构而不是投资机构。

Commercial banks play a vital role in financial intermediation in a country's economy. In the past few years, China's banking sector has maintained a momentum of rapid growth thanks to the rapid economic growth and loose economic policy. But there are still many problems in the quality of assets, management and risk management, many banks face the heavy historical burden, if not handled properly, the banking system may become an obstacle to economic sustainable development Chinese, even the whole impression of economic stability, the status quo of China's commercial banks, this article has done the following analysis, and on this basis do some inferences and suggestions on future development path in recent years.

The commercial bank English, abbreviated as CB, the popular network is a homonym for "deposit", meaning the memory bank. The concept of commercial bank is distinguished from the central bank and investment bank, is a for-profit, raise funds in various financial liabilities, various financial assets as management object, with financial institutions credit creation function. The general commercial banks do not have the currency issue right, the traditional commercial banking business mainly concentrated in business deposits and loans (loans) business, which is to lower interest rates to borrow deposits, lending to higher interest rates, the main profit spreads between deposits and loans of commercial banks is. The main business scope of the commercial banks, including the absorption of the public, enterprises and institutions deposits, loans, bills discounting and intermediary business, etc.. It's a savings institution, not an investment institution.