【作者】 曹考；

【导师】 王仁祥；

【作者基本信息】 武汉理工大学 ， 国际贸易学， 2004， 硕士

【摘要】 商业银行业务创新是金融创新最主要的内容。自上个世纪70年代以来，由于受国际经济、金融环境变化的影响，国际银行业经历了一个金融创新的高潮，大量的金融新业务被创造出来，商业银行的业务范围得到了极大拓展，银行业的混业经营已成为一种全球性的发展趋势。我国银行业的业务创新起步时间晚，面对加入WTO后金融业的全面对外开放，我国的商业银行必将面临国外银行的巨大的冲击。要想在这一激烈的国际竞争中占据有利的地位，必须加快业务创新的步伐，努力创造出各种顾客需要的储蓄、理财、投资等业务的新品种，提升自己的国际竞争力。 本文初步建立了商业银行业务创新的条件框架，在此基础上对中西方商业银行业务创新的环境和条件进行了比较分析，并以中国商业银行为主体，对其业务创新的环境、现状和存在的问题进行了研究，进而提出了关于中国商业银行业务创新发展的一些具体建议。全文分为五个部分。 第一部分主要介绍了西方商业银行业务创新的历程，总结了西方商业银行业务创新的主要内容以及未来的发展趋势。 第二部分重点总结了商业银行业务创新的动因，分析了商业银行业务创新的微观经济效应和宏观经济效应。 第三部分在前二部分总结分析的基础上建立了商业银行业务创新的条件框架，总结出促进业务创新的六大因素；比较了发达国家与发展中国家创新环境的差异。 第四部分则在此基础上分析了我国商业银行业务开展和创新的现状。把银行业务分为传统业务和中间业务两个部分：传统业务的发展和创新是通过资产业务和负债业务两方面分别以图表的形式进行比较分析；通过介绍中间业务在我国的发展状况和规模，分析了中间业务在我国的现实需求。武汉理工大学硕士学位论文 第五部分在以上分析的基础上，指出我国商业银行业务创新存在的问题;针对这些问题，提出我国商业银行业务创新应遵循的原则;并对我国商业银行未来金融业务创新的发展提出了具体的思路。更多还原

【Abstract】 Business innovation in commercial banks is the uppermost content of financial innovation. From 1970’s, the international banking experienced a climax of financial innovation, in which a mass of new financial business were created as a result of the change of international economy and finance, the business scope of commercial banks was enlarged by a long way, and the mix-industry management has become a global current. The step of business innovation in China’s banking is slow. In the face of WTO, China’s finance industry is entirely opened to outside, commercial banks in home will be confronted with huge impact of foreign banks. In order to take up an advantageous status in this drastic international competition, commercial banks in China have to quicken steps of business innovation, make great efforts to create varieties of new business of save, financing and investment, etc., by which to upgrade their international competence. Thus, there is important realistic and academic significance to China’s banking currently in discussing business innovation in commercial banks.This paper tried to establish the condition frame of the commercial bank’s business innovation, on the basis of which, the paper analyzedthe commercial bank’s business innovation between developed country and developing country through comparison. This paper put emphasis on studying and discussing business innovations in China’s commercial banks from conditions, actuality and problems. At last, this paper gave some advice about the development of business innovation of China’s commercial banks. This paper divides into five parts.The first part has introduced the course that business innovation of western bank mainly. Main content and development trend in the future of western bank’s business innovation have been summarized.On the basis of these, the second part has summarized factors of financial innovation and analyzed the macroscopical influence and microeffect brought of financial innovation.Based on above two part ’s analyze, the third part has set up the condition frame of business innovation, summarize out six major factors of business innovation; have compared the difference between the developed country and developing country’s innovative environment.The current situation of financial innovation of Chinese commercial bank has analyzed in the third part. It divides from banking into traditional business and the middle of business two pieces part: Thedevelopment and innovation of the traditional business carry on comparative analysis in the form of chart respectively through the business of the assets and business of debt; Introduced the business state of development and scale in China, this part have analyzed the current demand of middle business in China.On the basis of the above analysis, the fifth part points out the question that financial transaction of business bank of China; To these questions, I give proposes and put forward the concrete train of the financial transaction innovated of future of business bank of China.更多还原