【作者】 冯军；

【导师】 毛道维；

【作者基本信息】 四川大学 ， 工商管理， 2004， 硕士

【摘要】 尽管国内各大银行的中间业务近年来发展迅猛，但是作为银行业重要收入来源的中间业务一直存在赢利能力低下的问题。造成我国银行中间业务赢利能力低下的原因是多方面的。除开这些原因，本文认为银行中间业务赢利模式不合理也是一个很重要的原因，并进而提出银行应结合自身情况，采用合理的中间业务赢利模式才是改善赢利能力的根本道路。 本文阐述了赢利模式的概念，从赢利的角度出发，把以客户为中心和以利润为中心作为基本思想，提出了银行适合使用的几种赢利模式—“配电盘模式”、“客户解决方案模式”、“大额交易模式”、“产品金字塔模式”、“经验曲线模式”，并结合银行业的实际情况，分别论述了这几种模式应用特点、条件。随后给出了为银行设计赢利模式的几个标准步骤，加强了本文的实用性。此外，本文并结合具体案例—“四川省电信公司—中行四川省分行资金监管系统平台”，阐述了“客户解决方案模式”在银行业的实际应用。 本文强调信息科技在银行中间业务赢利模式的作用，通过分析银行的中间业务技术平台在几种赢利模式的影响，指出信息科技的重要性。最后，为了赢利模式能有效运作，本文结合实际情况指出发展中间业务应注意风险控制，提出几个风险的控制措施。此外，为了加强本文实用性，结合本地情况，控讨了“西部商业银行开展中间业务急需解决的几个问题”。 最后，本文对全文做出总结，并再次强调采用有效的赢利模式对银行发展中间业务的重要性。更多还原

【Abstract】 With the booming of the economy and the deepening of the financial reform, the bank’s functions have greatly changed at the requirements of the society. While the bank industry itself is facing the era of little profit. Consequently, much attention were paid to M.B.B.(the middle business of bank), which is less costly, less risky and high profitable. The M.B.B.(the middle business of bank), along with the Debt service and the Asset service, have made up of the three pillar industries of the modern commercial bank, which becomes a major income of the commercial banks in developed countries. However, the development of M.B.B. in China is not satisfactory. Therefore, how to improve the operation mode of the M.B.B. of the Chinese commercialbanks and make it into a real source for its profit? This is a question that we are facing and should be better dealt with.This article analyzed some problems in developing M.B.B. at present, from a point of view of getting profit. The article made comparison between domestic banks and foreign banks, and pointed out that the market of domestic M.B.B. is underdeveloped, the business mode is lag behind and M.B.B. is not profit-earning. Then, the article briefly analyzed some major factors that limited the development of the M.B.B. of the domestic commercial banks. To solve the profit-earning problem of the banks, the article proposed several business modes, as "customer development mode’ "large-scale transaction mode’ "switchboard profit model’ "product pyramid model’ "experience curve model". Together with the real practice in the bank industry, the article analyzed the characteristics of these modes respectively. Then, the article gives a case "Fund Management System in Sichuanbranch, Bank of China and Sichuan branch, Chinatelecom ", to illustrate how to put the "customer development mode" to practice in Bank industry. Moreover, the article put forward "one-up IT mode" from the point view of "science and technology is the productivity". To explain the mode, the article analyzed a M.B.B technology platform in a bank and proposed that "advanced technology mode" is the way to success. The article concluded that developing M.B.B. and getting continuous and stable profit would be the future for the bank industry, and that various advanced and flexible modes, which is profitable, is the key to occupy the market. At last, this article reminded us to be aware of some problems in developing the M.B.B, e.g. "risk control of M.B.B.’ "how to develop M.B.B in western China".更多还原