摘要
随着利率市场化的逐步实现,我国商业银行低息揽储、贷款立行的时代渐行渐远,拓展中间业务势在必行。国内学术界关于中间业务发展状况的考察主要是通过对我国银行与外国银行非利息收入占总营业收入比重(非息占比)的比较分析来完成的,但由于现阶段我国银行业仍然是分业经营而不是国外银行业所采取的混业经营模式,因此这种比较并不完全具备合理性。以德意志银行、美国银行和英国汇丰银行为例,将外国银行的手续费及佣金收入从非利息收入中抽离出来,与我国银行的手续费及佣金收入进行比对研究,并在此基础上考察国内外银行的非息占比,以获得国内外上市商业银行中间业务收入的真实占比概况,进而提出我国上市银行拓展中间业务的有效对策。
With the gradual realization of the marketization of interest rate,gone are the days of gaining capital via low-interest in China’s commercial banks.Expanding the intermediate busi-ness is increasingly imperative.The investigation on the intermediate business development in do-mestic academic circle is mainly on the comparative analysis on noninterest income accounted for the proportion of total revenue between our commercial banks and the foreign banks.However, the current stage of China’s banking industry is still of separated operation rather than mixed op-eration as that of foreign banks,so the comparison may not be reasonable.This paper takes Deutsche Bank,Bank of America and British bank HSBC as examples to conduct comparative a-nalysis.First of all,the foreign bank’s fee and commission income are excluded from noninterest income and then we compared it wich our bank’s fee and commission income.Domestic and for-eign banks are then compared from the point of the noninterest income ratio.In this way,the comparison is more obj ective.Then the article puts forward the effective countermeasures on ex-panding the intermediate business in listed banks in China.
出处
《四川师范大学学报（社会科学版）》
CSSCI
北大核心
2016年第5期76-82,共7页
Journal of Sichuan Normal University(Social Sciences Edition)
基金
四川师范大学2015年第三批科研启动项目研究成果
关键词
上市商业银行
中间业务收入
非息占比
手续费及佣金占比
listed commercial banks
intermediate business income
noninterest income ratio
commission and fee income ratio
