商业银行中间业务的定价问题研究
最后在作出全文总结的基础上，从中间业务电子化，争取人才规范法律法规等等方面提出了商业银行中间业务未来的发展建议。
关键词：中间业务 ，巴塞尔协议，商业风险，内部因素，外部因素
毕 业 论 文 外 文 摘 要
Title Commercial Bank Intermediary Business Pricing Problem Resesrch
Abstract
With the full liberalization of China's banking industry,increasing fierce competition in the banking sector..China's commercial banks in the business development direction is still base on the business of deposit and lending.which is really not beneficial for the develop of business bank. Therefore. the development of intermediate business of commercial banks in China is already imminent. So this thesis selects the intermediate business of commercial banks in pricing problem analysis..Firstly discusses the classification and definition of intermediate business, intermediate business development as well as the importance of risk, and then studied the effect of the intermediate business of commercial bank product pricing internal factors and external factors. And the bank card as an example, model analysis, the effect of the external factors of pricing did concrete analysis. Draw GDP and the Engel coefficient is affected to the commercial bank the largest two external factors.
Finally, in make full text on the basis of summing up, from the intermediate business electronically, for talent for laws and regulations are put forward the future development of the intermediate business of commercial banks
Keywords Intermediate business, the Basel agreement, business risk, internal factors, external factors
目 次
1绪论.5
1.1研究背景与问题提出6
1.2国内外研究现状7
1.3研究定位与研究方法8
2商业银行中间业务界定和风险9
2.1商业行中间业务的界定 10
2.2商业银行中间业务的分类.11
2.3商业银行中间业务定价的风险及发展重要性12
3我国商业银行中间业务定价实证分析14
3.1影响我国商业银行中间业务定价的主要因素15
3.2影响我国商业银行中间业务定价因素的回归分析16
3.2.1基本假设18
3.2.2模型构建19
3.2.3模型分析与检验20
3.3本章小结20
4主要结论与对策建议21
4.1主要结论22
4.2对策建议23
致谢24
参考文献25
绪论
1.1研究背景与问题提出
随着世界金融市场的不断深化，商业银行面临着越来越激烈的竞争压力，其中中间业务的发展水平对商业银行的稳定和可持续发展起到越来越重要的作用，所以不断加强我国我国商业银行中间业务的发展已势在必行。而市场竞争的重点就是价格，它直接影响着商业银行的市场竞争力和银行的盈利能力。中间业务定价能力的高低会直接影响商业银行未来生存和发展的空间。
但是就目前来看，我国商业银行中间业务发展依旧很慢，在某种程度上落后于西方国家的商业银行。我国中间业务的产品定价能力严重阻碍了中间业务的发展和创新，中间业务的定价问题日渐的凸显。因此科学制定中间业务产品价格，合理运用价格策略和科举研究参与市场竞争，建立完善的中间业务定价体系对我国商业银行有着重要作用。并且在改善商业银行业务结构、优化商业银行收入结构、谋取市场优势、最终实现经营管理目标有着十分重要的现实意义。
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