扶余农村信用社中间业务发展策略研究 银行中间业务是指不构成银行表内资产和负债的非利息收入业务，其业务 种类繁多，通常包括融资、租赁、担保、衍生金融产品结算等。近年来，随着 金融市场的竞争加剧和我国企业国际化水平的不断提升，传统金融机构如银行 不再过度依靠传统借贷业务的利差收入，而是大力发展并完善中间业务，使之 逐渐成为收入的主要来源。在这样的时代背景下，银行作为资本市场中介，中 间业务的发展水平与战略构架在整个金融生态体系中有着举足轻重的作用。 以扶余农村信用社为例，我国当前信用社中间业务的开始时间比较晚、科 技水平低、高素质人才少、创新意识弱、产品结构单一，处于低层次的发展状 态，而发展中间业务能够改变当前的局面。因此，本研究以文献分析法、实证 研究分析法为研究方法，以扶余农村信用社为例，具体分析其中间业务发展的 现状、问题等，并给出对应的解决措施，旨在能够促使扶余农村信用社的中间 业务得到更好的发展。 通过研究，本文对“中间业务”的概念、特征和意义有了更加清楚的了解。 提出中间义务的基本概念就是指银行以中介人或者代理人的角色，在其他两个 支柱产业的基础之上，通过自身所具有的资金、信誉、信息、技术、机构网络 等优势，帮助客户处理收付款以及其他委托事项而收取一定手续费的业务的总 称。从定义可以看出它包含两层含义：其一，商业银行无论是进行银行业务还 是金融服务，都是中间媒介即代理人的角色提供金融中介服务，例如房产中介， 介于买卖双方之间收取服务费；其二中间业务实质上是与商业银行的资产和负 债相辅相成、息息相关的，并不同于形式上所显现的那样独立于商业银行资产 和负债之外。其主要有 4 大特征，分别是：较少使用或者完全不使用自己的资 本；以中介者的角色开展业务，收益高，风险低；以接受顾客委托的方式开展II 业务，是一种委托业务；管理方式多元化。有关当前中间业务发展过程中存在 的问题，研究通过数据统计、分析，得出主要有五大问题。（1）中间业务收入 低，占总收入比重较小，增长速度慢；（2）中间业务收入结构不均衡；（3） 中间业务不受重视，发展速度较慢；（4）员工整体素质较低，硬件设施不到位； （5）缺乏科学的管理和积极的引导。 针对这些问题，研究发现目前导致扶余农村信用社中间业务发展出现问题 的主要因素是缺少完善的管理体系、中间业务意识不强、产品结构单一、服务 意识薄弱、缺乏技术人才、产品创新力不够、技术含量较低、宣传手段单一等 问题。对此，研究提出要提升经营意识，提高人员整体素质、加大技术投入、 加快电子化建设、健全完善的管理体制、创新产品、加强宣传、积极拓展市场 等解决措施。 关键词： 扶余农村信用社，中间业务，发展策略III Abstract Research on the development strategy of intermediate business of Fuyu Rural Credit Cooperatives Bank intermediary business refers to the non-interest income business that does not constitute the assets and liabilities in the bank's balance sheet. It has a variety of businesses, including financing, leasing, guarantee and settlement of derivative financial products. In recent years, with the intensification of competition in the financial market and the continuous improvement of the internationalization level of Chinese enterprises, traditional financial institutions such as banks no longer rely excessively on the interest income of traditional lending business, but vigorously develop and improve intermediary business, making it gradually become the main source of bank income. Under this background, as the intermediary of capital market, the development level and strategic framework of intermediary business play a decisive role in the whole financial ecosystem. Taking Fuyu rural credit cooperatives as an example, China's current credit cooperatives intermediate business started late, low level of science and technology, few high-quality talents, weak innovation awareness, single product structure, compared with commercial Banks in a low level of development, and the development of intermediate business can change the current situation. Therefore, this study takes literature analysis method and empirical research method as the research methods, and takes Fuyu rural credit cooperatives as an example to specifically analyze the current situation and problems of the development of intermediate business, and give corresponding solutions, so as to promote the development of intermediate business of Fuyu rural credit cooperatives.IV Through the research, this paper has a clearer understanding of the concept, characteristics and significance of "intermediate business". Put forward the basic concept of intermediate obligation is refers to the bank to the role of the agent or the agent, on the basis of the other two pillar industries, by itself has the money, reputation, technology, information and institutional advantages of the network, to help customers deal with a certain fee and other matters entrusted and the receiving of the floorboard of the business. It can be seen from the definition that it contains two meanings: first, no matter conducting banking business or financial services, commercial Banks provide financial intermediary services as intermediary agents, such as real estate intermediary, charging service fees between buyers and sellers. Second, intermediate business is essentially complementary to and closely related to the assets and liabilities of commercial Banks, which is not independent from the assets and liabilities of commercial Banks as it appears in the form. It has four main characteristics, respectively: less use or not use their own capital; To carry out business in the role of intermediary, high return, low risk; It is a kind of entrusted business to carry out business in the way of accepting customer's entrustment. Diversified management methods. As for the problems existing in the development process of the current intermediate business, through data statistics and analysis, it is concluded that there are five major problems. (1) low intermediate business income, small proportion of total revenue, slow growth rate; (2) uneven income structure of intermediate business; (3) intermediate business is not valued and its development speed is slow; (4) the overall quality of employees is low, and hardware facilities are not in place; (5) lack of scientific management and active guidance. To solve these problems, the study found that the current lead to problems in Fuyu intermediary business development of rural credit cooperatives are the main factors of the lack of perfect management system, intermediary business awareness is not strong, the single product structure, service consciousness weak, lack of technicalV personnel, product innovation, low technical content, such as propaganda of a single problem. In this regard, the study proposed to enhance the management consciousness, improve the overall quality of personnel, increase technical input, accelerate the construction of electronic, perfect management system, innovative products, strengthen publicity, actively expand the market and other solutions. Keywords: Fuyu rural credit cooperatives; Intermediate business; development strategyVI 目 录 第 1 章 绪论............................................................................................1 1.1 研究背景与意义 .............................................................................1 1.2 文献综述与理论研究 .....................................................................3 1.3 研究内容与研究方法 .....................................................................7 第 2 章 扶余农村信用社中间业务开展过程现状.................................. 10 2.1 中间业务概述 .............................................................................. 10 2.2 扶余农村信用社中间业务发展现状.......................................... 10 2.3 扶余农村信用社中间业务发展存在的问题.............................. 18 第 3 章 扶余农村信用社中间业务发展中问题的成因分析 ............ 22 3.1 管理与理念因素 .......................................................................... 22 3.2 产品与服务因素 .......................................................................... 24 3.3 人才与创新因素 .......................................................................... 25 3.4 技术与宣传因素 .......................................................................... 28 第 4 章 扶余农村信用社中间业务发展的对策和保障措施 ............ 30 4.1 转变管理