I 摘要 我国于 2006 年结束了加入世界贸易组织的五年保护期，随后我国金融市场开 始全面对外开放，参与我国金融市场竞争的外资银行数量日渐增多，相比之下，外 资银行管理理念更加先进，并且在不断发展的过程中业务模式不断趋于完备，依托 这些优势不断抢占我国市场份额。针对此种情况，对于国内商业银行而言，在经营 发展中会面临着日益趋于激烈的市场竞争环境，从而就不得不开始逐步转变业务 经营方式，提升核心竞争力。 中间业务、负债业务和资产业务是国内商业银行三大支柱性业务，其中中间业 务创造的利润在银行总利润中所占的比重不足 20%，这一比例水平远低于西方发 达国家，因此我国商业银行还需要进一步提升自己的中间业务能力和水平。 基于中间业务发展水平相对比较滞后这个问题，成都银行在经营发展中已经 开始树立和强化自我危机意识。相比于沿海发达地区，内陆地区的金融机构的产品、 服务、经营理念等都存在着很大的差距，出现此种情况的根本原因就是内陆地区的 金融机构获得最新产品和理念的难度较大，竞争激烈程度不高，从而在中间业务开 展的时候就会应用错误化的经营模式，从而对银行的长远发展造成不利影响。本文 以成都银行股份有限公司为背景，针对怎样制定商业银行中间业务发展策略进行 研究。综合运用 SWOT、波特五力竞争模型、PEST 分析模型等多种分析工具，按 照从宏观到微观、基于总述到分述的理念深入研究城市商业银行在中间业务开展 过程中存在的问题，在相关理论指导下以成都银行为例进行分析，在理论体系应用 相对完整性的基础上灵活应用这些工具进行该行此业务发展策略的编制。 寻找在我国范围内具有普遍适用性的中间业务发展策略是本文的研究目的， 基于此业务概念和类型，立足产品和收入这两个视角深入研究这一业务现阶段的 发展情况，剖析业务发展影响因素，归纳存在的问题，深入探讨问题出现的原因， 而后提出科学合理的对策建议，首先是转变经营理念，然后是制定基本的发展策略， 包括创新经营机制、完善定价策略、对客户进行细分并为其提供差别化服务、服转 并整合服务渠道、以及探索新的营销理念与手段。 关键词：成都银行；中间业务；发展策略ABSTRACT II ABSTRACT In 2006 in China over five years to join the world trade organization (WTO) protection ，China's financial market comprehensive opening to theoutside world, since the number of foreign Banks to participate in China's financial market competition increasingly, by contrast, foreign Banks more advanced management concept, and constantly in the process of the continuous development of business mode to complete, relying on the advantage of a growing share of the market share in China. In view of this situation, domestic commercial Banks will face increasingly fierce market competition environment in their operation and development, so they have to gradually change their business operation mode and enhance their core competitiveness. Intermediate business, liability business and asset business are the three pillar businesses of domestic commercial Banks, among which the profit created by intermediate business accounts for less than 20% in the total profit of Banks, which is far lower than that of western developed countries. Therefore, Chinese commercial Banks still need to further improve their intermediate business ability and level. Duetotherelativelybackwarddevelopmentlevelofintermediatebusiness,Chengdu Bank has begun to establish and strengthen the sense of self-crisis in its operation and development. , compared with the coastal developed areas of inland financial institutions products, services, business philosophy there exists a large gap, appear this kind of situation is the root cause of inland financial institutions is difficult to get the latest products and ideas, do not have a high level of competition and will be applied to the business in the middle of the error of the business model, which has adverse effects on the long-term development of the bank. Based on the background of Chengdu Bank Co., LTD, this paper studies how to formulate the development strategy of intermediary business of commercial Banks. Integrated use of SWOT, porter five competitive model, a variety of analysis tools such as PEST analysis model, from macro to micro, based on an overview to the points above the idea of further study of city commercial bank in the intermediary business to carry out the problems existing in the process, in under the guidance of relevant theories to bank of chengdu as an example to carry on the analysis, focusing on the theoretical system on the basis of the relative integrity of flexible application of these tools for the preparation of the bank development strategy of theABSTRACT III business. Looking for within the scope of our country has universal applicability of the middle business development strategy is the purpose of this study, based on the business concept and types, based on the product and the income of these two perspectives in-depth study of the development of the business at this stage, analyzing influence factors for the business development, summarized the existing problems and discussed the cause of the problem, and thenputs forwardscientificandrational countermeasures, the first is change the management idea, and then formulates the basic development strategy, including the innovation management mechanism, improve the pricing strategy, subdividing customer and provide differentiated services, take turns and integrated service channels, and explore new marketing idea and means. Key words: Bank of Chengdu; intermediary business; development strategy目录 IV 目录 第一章 绪论.................................................................................................................... 1 1.1 选题意义与背景................................................................................................ 1 1.2 研究意义............................................................................................................ 2 1.3 研究方法与研究内容........................................................................................ 4 1.4 创新点................................................................................................................ 5 1.5 研究框架及思路................................................................................................ 6 第二章 主要概念界定和文献综述................................................................................ 7 2.1 银行中间业务.................................................................................................... 7 2.1.1 银行中间业务的概念.............................................................................. 7 2.1.2 银行中间业务的种类.............................................................................. 7 2.2 国内外研究综述................................................................................................ 8 2.2.1 国内外银行中间业务的现状比较.......................................................... 8 2.2.2 国内外关于银行中间业务发展的影响因素研究.................................. 9 2.3 银行中间业务产生和发展的理论依据.......................................................... 10 2.3.1 多元化理论............................................................................................ 10 2.3.2 协同效应理论........................................................................................ 10 2.3.3 金融创新理论.........................................................................................11 第三章 成都银行中间业务发展现状及问题分析...................................................... 13 3.1 成都银行发展介绍.......................................................................................... 13 3.2 成都银行中间业务发展现状.......................................................................... 15 3.2.1 成都银行业务情况................................................................................ 15 3.2.2 成都银行中间业务种类........................................................................ 16 3.2.3 成都银行中间业务概况........................................................................ 18 3.2.4 成都银行主要中间业务收入项目概况................................................ 19 3.3 成都银行中间业务与其他银行的对比分析.................................................. 20 3.3.1 成都银行中间业务和国有四大行比较................................................ 20 3.3.2 成都银行中间业务与国外水平比较.................................................... 25 3.3.3 成都银行与宁波银行中间业务的对比................................................ 26 3.3.4 成都银行与招商银行中间业务的对比................................................ 28 3.4 成都银行中间业务同“蚂蚁金服”对比分析................................................... 30目录 V 3.4.1 业务整体规模的对比............................................................................ 30 3.4.2 业务运作模式方面对比........................................................................ 31 3.4.3 科技金融与成都银行中间业务关联性分析........................................ 32 3.5 成都银行中间业务发展存在的问题.............................................................. 35 3.5.1 个人中间业务发展艰难........................................................................ 35 3.5.2 中间业务收入增长缓慢，贡献率偏低................................................ 35 3.5.3 中间业务收入结构有待优化，创新程度不够.................................... 36 3.5.4 缺乏中间业务专业人才........................................................................ 36 3.5.5 科技力量投入不够、能力不足............................................................ 37 第四章 成都银行中间业务发展环境分析与评价...................................................... 38 4.1 成都银行中间业务发展的外部环境分析...................................................... 38 4.1.1 宏观环境................................................................................................ 38 4.1.2 行业环境................................................................................................ 40 4.2 银行发展中间业务的内部环境分析（SWOT 分析）.................................. 43 4.2.1 机会分析................................................................................................ 44 4.2.2 威胁分析................................................................................................ 44 4.2.3 优势分析................................................................................................ 45 4.2.4 劣势分析................................................................................................ 47 4.3 内外部环境分析总结...................................................................................... 48 4.3.1 环境分析小结........................................................................................ 48 4.3.2 未来战略定位........................................................................................ 48 4.3.3 战略发展目标........................................................................................ 49 4.3.4 未来战略指向........................................................................................ 49 第五章 成都银行中间业务发展策略.......................................................................... 51 5.1 重视理财业务发展及创新.............................................................................. 51 5.2.盈利模式创新................................................................................................... 52 5.3 转变思想观念，重视发展中间业务................................................................ 53 5.4 完善中间业务组织管理结构，实现中间业务管理创新............................... 54 5.5 加快中间业务复合型人才的培养................................................................... 55 5.6 加大投入，强化支撑....................................................................................... 56 第六章 结论.................................................................................................................. 57 致谢................................................................................................................................ 59。。。。。。以下内容略