摘要
在过去的20年间,欧美发达国家银行的盈利模式和收入结构经历了一场重大变革,其非利息收入占比逐年攀升,并在总收入中占有日趋重要的地位。随着我国经济金融市场的发展,资本市场的日益成熟,国内银行业中间业务市场将进一步快速增长。为解决当前制约中间业务发展的突出问题,国内银行应找准市场定位,科学布局;进一步加大中间业务产品开发、创新与拓展力度;逐步加强和完善中间业务产品组织建设;加强联动营销、交叉营销和综合营销,打造中间业务的经营合力;进一步完善中间业务考核与激励机制等。
During the past two decades, a significant reform has taken place in the big banks of the developed countries in Europe and America on the profitability mode and income structure, with an increasing rising ratio of noninterest income year by year, which has ranked an increasingly important status in total earnings. Along with the development of the economic financial market in China and the capital market increasingly matured, the intermediary services market of domestic banks will be further enlarged quickly. To solve the outstanding problems hindering the development of intermediary services, it's necessary for the domestic banks in China to seek appropriate market positioning and make scientific layout, with further enlargement of intermediary services product development, innovation and marketing extent, with a gradually enhanced and perfected intermediary services product organization con- struction, strengthening interactive marketing, cross marketing and comprehensive marketing for creating a resultant force of intermediary services, with a further perfection of examination and incentive mechanism for intermediary services, etc.
出处
《河南金融管理干部学院学报》
2007年第1期71-75,共5页
Journal of Henan College of Financial Management Cadres