我国商业银行中间业务发展分析——以12家上市商业银行为例

Analysis on the Intermediary Business Development of China's Commercial Banks——Taking Twelve Listed Commercial Banks as an Example

基于12家上市商业银行2011年半年报数据,运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建议。研究表明,我国上市商业银行的中间业务收入及其在营业收入中的比重均有较大幅度的提高,并呈现中间业务收入与其规模正相关,具体构成共性业务与个性业务并存,传统中间业务的主导地位下降等特点。商业银行进一步发展中间业务,应在确定战略目标的前提下,加强产品研发力度,大力发展新兴中间业务,积极培育和引用相关人才,同时四大国有控股的商业银行与中型股份制商业银行应实行差异化发展策略。

Based on the data from the semi-annual report 2011 of twelve listed commercial banks, this paper deeply compares and analyzes the present situation of the intermediary business development of China＇s commercial banks through descriptive statistical method and advances some suggestions on their future development. The study shows that the intermediary business incomes of China＇s listed commercial banks as well as their proportion in operating incomes have both increased greatly. The study also finds that the intermediary business income has positive relativity with its scale, in the intermediary business there exist both common business and individuation business and the dominant position of traditional intermediary business has declined. To further develop intermediary business, the commercial banks should first decide their strategic object and then put more efforts into product development, spare no effort to develop new intermediary business as well as foster and employ relevant talents actively. At the same time the four state holding commercial banks and mid-sized shareholding commercial banks should implement differential development strategy.