I
目录
1. 绪论 ..... 1
1.1 研究背景和研究意义 ... 1
1.1.1 研究背景 .. 1
1.1.2 研究意义 .. 2
1.2 文献综述 ........... 2
1.2.1 国外研究现状 ...... 2
1.2.2 国内研究现状 ...... 3
1.3 研究的主要框架 ........... 4
2. 理论概述 ......... 5
2.1 中间业务概述 ... 5
2.1.1 中间业务的概念 .. 5
2.1.2 中间业务的品种及分类 .. 5
2.1.3 中间业务的特征 .. 7
2.2 开展中间业务的理论基础 ....... 8
2.2.1 功能金融理论 ...... 8
2.2.2 4Ps营销理论 ........ 8
2.2.3 金融创新理论 ...... 9
3. 中国建设银行江西省分行中间业务发展现状及存在的差距 ....... 10
3.1 中国建设银行江西省分行中间业务发展现状 ......... 10
3.1.1 建行江西分行中间业务收入在银行总收入中占比过低 ........ 10
3.1.2 建行江西分行中间业务收入中传统业务占比过高 ..... 11
3.1.3 建行江西分行经营模式单一 .... 12
3.2 建行江西分行与外资银行中间业务存在的差距 ..... 13
3.2.1 定价机制的差距13
3.2.2 业务国际化的差距 ........ 13
3.2.3 创新机制上的差距 ........ 14
3.3 建行江西分行与外资银行中间业务形成差距的原因 ......... 15
3.3.1 对中间业务重要性认识不足 .... 15
3.3.2 管理机制不够完善 ........ 16
3.3.3 管理上缺乏系统性和科学性，考核存在偏差16
3.3.4 同业间恶性竞争激烈 .... 17
3.3.5 中间业务风险管理缺失18
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3.3.6 技术水平较为落后 ........ 19
3.3.7 中间业务相关专业人才缺乏 .... 20
4. 促进中国建设银行中间业务发展的几点建议 ....... 21
4.1 提高认识水平，突出差异经营 ......... 21
4.2 金融科技创新与业务创新并重，提高市场竞争能力 ......... 23
4.3 强化中间业务定价机制，树立现代市场营销观念 . 24
4.4 发展中间业务应注意防范风险 ......... 25
4.5 加快人才培养，建立健全考核机制 . 27
4.6 完善行业协作体系，增强银行间的同业合作 ......... 28
5. 结论 ... 30
参考文献31
致谢 .... 34
III
Contents
1 Introduction · 1
1.1 Research Background and Research Significance · 1
1.1.1 Research Background ·· 1
1.1.2 Research Significance ·· 2
1.2 Literature review2
1.2.1 Foreign Research Status ·· 2
1.2.2 Domestic Research Status3
1.3 The main framework of the study ·· 4
2. Theoretical overview ·· 5
2.1 Overview of Intermediate Business5
2.1.1 Concept of Intermediate Business5
2.1.2 Variety and Classification of Intermediate Businesses5
2.1.3 Characteristics of Intermediate Business · 7
2.2 The theoretical basis for CCB to carry out intermediary business8
2.2.1 Functional Finance Theory ·· 8
2.2.2 4Ps Marketing Theory ·· 8
2.2.3 Financial Innovation Theory9
3. Current Status and Gap of the Development of Intermediate Business of China
Construction Bank Jiangxi Branch ·· 10
3.1 Development Status of CCB Jiangxi Branch's Intermediate Business ·· 10
3.1.1 CCB Jiangxi Branch’s income from intermediary business accounts for
the proportion of total bank revenue · 10
3.1.2 Excessive proportion of traditional business income in CCB Jiangxi
Branch’s intermediary business income11
3.1.3 The single business model of CCB Jiangxi Branch · 12
3.2 Problems in the Development of Intermediate Business of CCB Jiangxi Branch
·· 13
3.2.1 The gap in pricing mechanism · 13
3.2.2 The gap in internationalization of services ·· 13
3.2.3 Gaps in Innovation Mechanism14
3.3 The reasons for the gap between CCB Jiangxi Branch and foreign banks15
3.3.1 Insufficient understanding of the importance of intermediate business。。。。。。