| 对国有商业银行创新非利息收入业务的比较分析 |
| |
| 引用本文： | 王千红,刘晓君.对国有商业银行创新非利息收入业务的比较分析[J].河北科技大学学报(社会科学版),2009,9(4):26-31,83. |
| |
| 作者姓名： | 王千红 刘晓君 |
| |
| 作者单位： | 东华大学管理学院,上海,200051 |
| |
| 摘 要： | 金融竞争和资本充足率约束使得依赖传统存贷款业务的盈利空间缩小,我国商业银行近年来不断通过增加非利息收入业务提升盈利水平。但一直以综合业务见长的美国银行业在金融危机中深陷生存困境,使得我国起步阶段的银行创新业务受到了质疑,其中关于非利息收入相关业务是否创新过度更是成为业界争论的焦点。在比较分析四家全球性外资银行集团和我国商业银行近年来的业务收入结构变化的基础上,指出我国国有商业银行非利息收入业务发展中存在总量不足、业务结构低端化的问题,提出应通过拓展代理融资业务和创新投资银行业务提升我国国有银行的盈利空间。
|
| 关 键 词： | 商业银行 非利息收入 创新 业务多样化 |
A Comparative Analysis of the Innovation of the Non interests Income Banking Services for Commercial Banks of China |
| |
| WANG Qian-hong,LIU Xiao-jun.A Comparative Analysis of the Innovation of the Non interests Income Banking Services for Commercial Banks of China[J].Journal of Hebei University of Science and Technology,2009,9(4):26-31,83. |
| |
| Authors: | WANG Qian-hong LIU Xiao-jun |
| |
| Institution: | WANG Qian-hong,LIU Xiao-jun(College of Administration,Donghua University,Shanghai 200051,China) |
| |
| Abstract: | Financial competition and the limitation of capital adequacy ratio narrow the profit margins in traditional businesses of commercial banks.Chinese commercial banks have improved the profits by increasing non-interest income business in recent years.However,the financial crisis in 2007 and 2008 has a powerful impact on American commercial banks as well as the innovation in financial services,in which non-interest income-related businesses is under the spotlight.In our country,whether continue to innovate or ... |
| |
| Keywords: | commercial banks non-interest income business innovation diversification in banking services |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
|
