中间业务收入

而新兴的中间业务收入比重普遍较低。

The proportion of the bank intermediate business income is generally low .

近年来，中间业务收入已经成为我国商业银行重要的新的利润增长点。

The intermediate business income has become an important new profit growth to commercial bank .

大规模、国有性质和较高的费用率会降低银行的效率；充足的资本、较多的人均存款余额和中间业务收入能够促进银行效率的提高。

Large-scale , nationalized properties and higher expense ratio will reduce the efficiency of the bank .

中资商业银行金融创新探讨&基于中间业务收入视角

Research on Financial Innovation in Chinese-funded Commercial Banks & From the Perspective of Intermediary Business Income

银行新的利润增长点转向以中间业务收入为主的电子化服务渠道。

The new profit growth points will turn to the electric service channels that base on intermediate business .

结构性理财产品的发展是我国商业银行改革的一大进步，有利于银行在控制风险的基础上扩大中间业务收入。

The development of structured product is a big progress of domestic commercial banks . The non-risk income is increased .

银行卡作为一种盈利产品，已经成为国外银行中间业务收入的重要组成部分。

As a high-profit product , bank card has become the very important income resource of service business in foreign banks .

我国商业银行要充分重视与中间业务收入负相关指标的影响。

The commercial banks in China must take full attention to the affects about the indexes negatively correlated to the intermediate business income .

电子商务业务对有效缓解柜面压力、创新金融服务手段以及增加中间业务收入起到至关重要的作用。

E-commerce business plays an important role in relieving the pressure of front counter , innovating financial service and increasing the income of intermediate service .

商业银行的中间业务收入已成为银行资产业务收入和负债业务收入之外的第三大业务收入。

The intermediate business income of commercial bank has become the third major business income besides bank property , business income and liabilities business income .

银行保险作为银行的代理业务之一，是增加中间业务收入的有效来源，也是银行增强核心竞争力的重要手段。

Banc assurance , as one of bank agent business , is efficient source of increasing intermedial business income and also the important means of increasing bank core competence .

长期以来，我国银行业的利润大部分来源于存贷利差所形成的利息收入，而西方国家银行的利润大部分来自于中间业务收入。

For a long time , most of the profits of Chinese banks come from interest spread , but those of banks in western countries come from intermediate business .

2008年，伴随资本市场的深幅回调，商业银行个人理财产品受到投资者的追捧，产品规模和中间业务收入快速提升。

In 2008 , accompanied by capital markets callback index , personal financial products of commercial banks are popular by investors . The scale of products and revenue increased rapidly .

在国外发达国家，中间业务收入是银行的主要收入，一般占总收入的40%&50%。

The developed country abroad , the intermediary business income is a main income of the bank , generally accounts for 40 % & 50 % of the gross income .

作为一种盈利性产品，信用卡已经成为国内外银行业中间业务收入的重要组成部分。

As a profit-making product , the revenue from credit card business has already become an important part of the intermediary business revenue both in the domestic and overseas banking industry .

外汇业务（或称国际业务）由于其资金占用少、盈利能力强、风险相对较小等特点，成为增加中间业务收入的有力利器。

The foreign exchange business ( international business ) is a powerful weapon for increasing intermediary business income as it uses less capital , has good capacity of earning and takes less risk .

而国有商业银行也通过中小商业银行的汇票代理，拓展了客户服务领域和增加中间业务收入。

Moreover , the state-owned commercial banks also expand the customer service realm and increase the intermediate business incomes owe to acting for the bank draft by the middle and small commercial banks .

结果表明：银行产权结构、不良资产率、中间业务收入、资本充足率对我国银行效率值有显著的影响作用。

The research conclusion : these factors including the property right structure , the loan quality , the income of banks ' middle product and the capital adequacy have an apparent effect on domestic commercial bank efficiency .

我国商业银行收入结构从整体上可分为两个部分：即利息收入和非利息收入，其中非利息收入又分为中间业务收入和其他收入。

Generally speaking , the earning structure of the commercial bank in China is divided into two parts : interest earning and non-interest earning , in which the latter is also divided into mid-business earning and other earnings .

债务融资工具承销业务拓宽了企业融资渠道，对商业银行转变经营模式、调整业务结构、创新服务方式、提高中间业务收入有着积极的促进作用。

Debt financing instruments underwriting business to broaden the financing channels for enterprises . It has a positive role in promoting commercial banks into the business model , business restructuring , innovative services and improving intermediary business revenue .

结果表明，企业借贷总量的变化率、中间业务收入比重、不良资产率与银行效率显著负相关，而产权形式、资本充足率、资源配置能力银行效率显著正相关。

The results show that business loan 、 intermediary business income proportion and non-performing Asset proportion has negative correlation with banking efficiency , while the property right , Capital adequacy rate , resource allocation competence have positive correlation coefficient .

通过发行银信合作理财产品，银行只需将募集的资金和投出的贷款放在表外，从而既能避开存贷款监管，又能获得丰厚的中间业务收入。

By issuing bank and trust cooperated financing products , the money and " loans " are off-balance sheet , so that banks can not only avoid the supervision of loans and deposits , but also gain abundant intermediate business income .

为了提高山东省农业银行网络银行客户数在同业的占有率，加大网络银行对山东省农业银行中间业务收入的贡献度，就需要提升顾客价值。

In order to improve the customers ' share and the contribution of E-bank to increase the intermediate business income of the Agricultural Bank of Shandong Province in the same industry , it is very necessary to enhance the Customer Value .

境内外汇筹资转贷款可以保证外汇资金来源与运用在币种、金额、期限等条件上完全匹配，从而可以在实现中间业务收入的同时完全规避期限和条件上的错配风险。

It can ensure the source of foreign exchange and using funds perfectly matched in the currency , amount , time limit conditions , thus it can realize the intermediate business income and completely avoid the mismatch risk in terms and conditions .

针对个人经营贷款的总体情况分别从贷款增量，个人消费贷款的收益，个贷中间业务收入，以及个人汽车贷款的收益，风险控制，业务流程等方面进行了简要分析。

For personal business loans , respectively , from the overall situation of incremental loans , loans for personal consumption gains , a loan intermediary business income and personal income auto loans , risk control , business processes and other aspects are briefly analyzed .

电子商务为银行提供了一个全新的业务领域，为银行获得中间业务收入、加快产品创新步伐、吸引网络时代的客户、转变经营和服务模式创造了很好的机会。

Electronic business for the bank provided a new business fields , for the Banks get business income , speed up the middle product innovation pace of network times , to attract customers , change management and service mode has created a very good opportunity .

在这次危急中，商业银行成了最大的受害者，特别是中小型的城市商业银行，原本巨大的存贷差已经被压缩的所剩无几，而其中间业务收入又远不如国有商业银行。

In this crisis , the commercial banks to become the greatest victims , in particular small and medium sized city commercial banks , savings and loan was originally a huge difference has been compressed depleted , which are far less revenue between the state-owned commercial banks .

首先是基于融资融券交易试点一年的交易数据，分析融资融券业务对试点证券公司利息收入、经纪业务佣金收入、中间业务收入带来的积极作用。

First of all , according to the transaction data about the pilot of margin trading business in the past year since it started , this chapter analyses the positive impacts the margin trading brings to the pilot companies in interest income , brokerage commission income and intermediate business income .

农村信用社作为众多金融机构中的一份子，面临着与其它商业银行相同的困境，需要通过创新中间业务变收入结构、增加利润。

Rural credit cooperatives as a member of numerous financial institutions , and other commercial banks face the same predicament , need through the innovation of intermediate business income structure , increase profits .

其主要表现为：首先，大部分国内商业银行中间业务产品收入相对于总收入的比重远远低于西方国家，比亚洲成熟稳定的市场如日本、新加坡等也有不小的差距。

Its mainly as follows : First , most of the domestic commercial banks intermediate business income relative to the proportion of total income is much lower than in Western countries than mature and stable markets in Asia such as Japan , Singapore , there are not a small gap .