我国地方商业银行中间业务创新发展研究——以大连银行为例  

Research on Innovation and Development of Intermediate Business of Local Commercial Banks in China——Take the Bank of Dalian as an Example

作　　者：由圣瑾 曹伊[1] QU Sheng-jin;CAO Yi(Liaoning University of International Business and Economies,School of International Business and Economies,Dalian 116052,Liaoning,China)

机构地区：[1]辽宁对外经贸学院国际经贸学院,辽宁大连116052

出　　处：《边疆经济与文化》2018年第11期24-27,共4页The Border Economy and Culture

摘　　要：中间业务对于商业银行的发展来讲具有重要的作用,中间业务在发达国家的银行利润占比高达70%左右,是银行的主要收入来源,而我国商业银行中间业务利润占比远低于发达国家。大连银行的中间业务创新发展过程中,存在缺乏品牌影响力、产品同质化严重、智能服务滞后等问题。完善的主要方法是树立品牌影响力、创新业务品种、创新智能服务。只有将银行创新中间业务中存在的问题有效解决,才能使大连银行中间业务发展得更好,更具有创新性。Intermediate business plays an important role in the development of commercial Banks.The proportion of intermediate business in the"profits of Banks in developed countries is as high as 70%,which is the main source of income for Banks.However,the proportion of intermediate business in China's commercial Banks is far lower than that in developed countries.During the innovation and development of the intermediate business of Dalian bank,there are some problems,such as lack of brand influence,serious product homogeneity and lagging intelligent service.The main method of improvement is to establish brand influence,innovate business varieties and innovate intelligent services.Only by effectively solving the problems existing in the bank's innovative intermediary business can Dalian bank's intermediary business develop better and be more innovative.

关 键 词：地方商业银行 中间业务 产品同质化 

分 类 号：F832.2[经济管理—金融学]