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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:

期数:

2012年01期

页码:

76-81

栏目:

出版日期:

2012-01-31

文章信息/Info

Title:

The Comparative Analysis and Development Research on Intermediary Business of Commercial Banks in China——Based on the Half - Annual Statement Data of Listed Commercial Banks in 2011

作者:

马岩;

河北经贸大学金融学院,河北石家庄,050061

Author(s):

MA Yan

关键词:

上市商业银行; 中间业务; 金融脱媒

Keywords:

listed commercial banks;  intermediary business;  financial disintermediation

分类号:

F830.33

文献标志码:

A

摘要:

文章基于12家上市商业银行2011年半年报数据,应用统计性描述法,深入比较分析我国主要商业银行中间业务当前发展状况,并给出未来发展策略。研究表明,2010年下半年以来,在央行频繁上调存款准备金、加息控制商业银行资金流动性的背景下,中型股份制商业银行在积极发展中间业务,其中间业务收入增幅均高于四大国家控股商业银行,中间业务收入在营业收入中的占比将与四大行有趋同之势,两大类商业银行的中间业务收入额差距将会不断缩小。今后中型股份制商业银行应该多元化发展中间业务以提升自身的竞争力。

Abstract:

This paper based on the 12 listed commercial banks in the first half of 2011 reported data compares the ihtermediary business of different commercial banks in current status and gives the future development propos- als. Studies show that the central bank has frequently raised deposit reserves and interest rate to control liquidity risk since the second half of 2010. Medium -sized commercial banks develop the intermediary business actively, and their intermediate business income growth is higher than that of the four major state - owned commercial banks. Intermediate business income in proportion to operating income will be the same in the future between two kinds of commercial banks. At the same time, intermediate business income gap will continue to be reduced. The medium - size joint - stock commercial banks should diversify the intermediary business to enhance their competitiveness.

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