商业银行中间业务创新发展的现状及增长点探究——以农业银行陕西省分行为例
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摘要
中间业务作为商业银行的核心业务,以其轻资本、低风险、产品种类多样、收益范围广泛的特点,成为新一轮银行转型发展的重点及突破口。本文以陕西省农业银行为研究对象,深入分析该行中间业务发展现状及不足,结合2019年经济形势研判,提出促进中间业务发展的对策建议。
As the core business of comercial banks,intermediary business has become the focus and breakthrough of the new round of bank transformation with its characteristics of light capital utilization ratio,low risk,diversified products and wide income.Taking ABC Shaanxi Branch as the research object,this paper analyzes of the bank's intermediary business development status and shortcomings,combined with economic situation in 2019,put forward countermeasures and suggestions to promote the development of intermediary business.
As the core business of comercial banks,intermediary business has become the focus and breakthrough of the new round of bank transformation with its characteristics of light capital utilization ratio,low risk,diversified products and wide income.Taking ABC Shaanxi Branch as the research object,this paper analyzes of the bank's intermediary business development status and shortcomings,combined with economic situation in 2019,put forward countermeasures and suggestions to promote the development of intermediary business.
引文
[1]李俊成.论商业银行中间业务的现状与发展趋势[J].财务与金融,2014,(01):7-15.
[2]吕磊.我国商业银行盈利模式的转型研究[J].商业故事,2016,(12):5-8.
[3]王英姿.我国商业银行中间业务存在问题及对策[J].财经论坛,2014,(01):57-58.
[4]吴萱,刘媛,潘彦玮,欧明刚.2018全国性商业银行财务分析报告摘要[J].银行家,2018,(9):11-21.
[5]郑薛蓉,薛阳达.互联网金融背景下我国商业银行中间业务分析[J].时代金融,2017(02):92-96.
[6]周成龙.新形势下中间业务转型发展的思考[J].农银学刊,2018,(05):21-24.
1数据来源:根据商业银行年报及官网等公开披露数据整理。
[2]吕磊.我国商业银行盈利模式的转型研究[J].商业故事,2016,(12):5-8.
[3]王英姿.我国商业银行中间业务存在问题及对策[J].财经论坛,2014,(01):57-58.
[4]吴萱,刘媛,潘彦玮,欧明刚.2018全国性商业银行财务分析报告摘要[J].银行家,2018,(9):11-21.
[5]郑薛蓉,薛阳达.互联网金融背景下我国商业银行中间业务分析[J].时代金融,2017(02):92-96.
[6]周成龙.新形势下中间业务转型发展的思考[J].农银学刊,2018,(05):21-24.
1数据来源:根据商业银行年报及官网等公开披露数据整理。