中国商业银行中间业务与发展的国际比较外文翻译Word文件下载.docx
- 文档编号:13710168
- 上传时间:2022-10-13
- 格式:DOCX
- 页数:8
- 大小:24.54KB
中国商业银行中间业务与发展的国际比较外文翻译Word文件下载.docx
《中国商业银行中间业务与发展的国际比较外文翻译Word文件下载.docx》由会员分享,可在线阅读,更多相关《中国商业银行中间业务与发展的国际比较外文翻译Word文件下载.docx(8页珍藏版)》请在冰豆网上搜索。
IntermediatebusinessofcommercialbanksandthedevelopmentofintermediatebusinessofcommercialbanksinChinawithacomprehensiveinternationalcomparison
MaterialSource:
ChinaDaily.(NorthAmericanEd.)NewYork,N.Y
Author:
TobiasAdrian
First,Themiddleofacommercialbankingbusinessdevelopmentactivitybecauseof
1.1Aninevitablechoiceforcommercialbanks
Intermediatebusinessofcommercialbanksandtherapiddevelopmentoftheemergenceoftheunderlyingreasonsarenotonlydriven,butalsotheresultofexternalfactors.Firstofall,theinternationalcommunitytoenterthecountrieshaverelaxedcontrols,theliberalizationofbankingandinternationaltrends,includinggreatlytothemiddleofthebusiness,includingthepaceoffinancialinnovation;
Second,marketcompetitionhasalsopromotedthedevelopmentofintermediarybusiness,traditionalbusinessofcommercialbanksnotonlyfacedcompetitioninthesameindustry,andalongwiththedevelopmentofcapitalmarketcountries,greatlyincreasedtheproportionofdirectfinancing,thetraditionalcommercialbanksassets,liabilities,businessincreasinglyshowinga"
sunsetindustry"
thedecline,therefore,commercialbankswereforcedtocarryoutnewbusinessinnovationtocreateanewsourceofprofits;
again,themiddleofbusinessinnovationistheresultofmarketdemand,duetofrequentfluctuationsininterestratesandexchangerates,enterprisesandcommercialbanksinwhichtheuncertaintyofeconomicenvironment,increasingtheriskofwhichtheeffectivemanagementtools,inparticular,anumberoffinancialderivativeshadademandforthedevelopmentofthebankingintermediarybusinessthatisriskmanagementinordertosatisfycustomers,aswellasotherdiversifiedfinancialservices;
Finally,thebankshavetheirownadvantages,aswellas20practicalinformationtechnologysincethe80'
sthedevelopmentandextensiveuseofcommercialbanksforthedevelopmentofintermediarybusinesspossible.February1987atNorthwesternUniversityintheUnitedStatesheldadeposit-takinginstitutionsonassetsecuritizationandtheriskofdevelopmentofintermediarybusinessseminar,ascholaronthedevelopmentofcommercialbanksinthemiddleofalargenumberofbusinessreasonsforconcluding,thatis,commercialbanksthedevelopmentofintermediarybusinessandtechnology,control,interestraterisk,customercompetition,factorssuchascapitaladequacyratioarecloselyrelated.
1.2Thesignificanceofthedevelopmentofintermediarybusiness
(A)Canbeextendedintoacommercialbankintermediaryfunction,toexpandtheirbusinessscale.
(B)Commercialbankscanspreadbusinessrisks,andenhancethebank'
sabilitytoresistrisks.
(C)Canplayavarietyofbusiness,"
bundling"
effecttoenhancethecompetitivenessofthebanks.Intermediatebusinessofcommercialbanksbetweenotherbusinessinteractionandmutualinfluence,andthedevelopmentofintermediarybusinessforthebanksnotonlybringdirectprofits,butalsowithotherbusiness,thesecondinteractionofthemarkettoenhancethecompetitivenessofbanks.
Second,commercialbanksinthedevelopmentofintermediarybusiness
2.1Thebroaderbusinessscope,awidevariety.
Westerncountriesofthemiddle-runcommercialbanksandawidevarietyofproductstomeetthediverseneedsofcustomers,thecommercialbanksforthenewbusinessinnovation.Thescopeofbusinesscoveredbythemiddleofthetraditionalbanking,trustservices,investmentbanking,mutualfundsandinsurancebusiness.Theycanengageinmoneymarketoperations,butalsocanengageindiscountingcommercialpaperandcapitalmarketsbusiness.
2.2Graduallyexpandthebusinessscaleofrisingincomelevels.
From1993to1996amongtheU.S.bankingbusinessgrewfrom912billionU.S.dollarsto12.188trillionU.S.dollars,accountingforbankassetsfrom78%to142.9%,ofwhichthesevenlargestbanksinthemiddleofthebusinesslendingpercentmorethandoubledandmore.LivingintheforefrontoftheU.S.bankingindustry,Citigroup,theAmericas,suchasthemiddleofthefivemajorbankinggroupsinvolvedintheoperationalactivitiesofthetotalassetsofmorethan2.2trillionU.S.dollarshasthesameperiod,assetsandliabilitiesthatbanksunderthetotalassetsof780billionU.S.dollarsforthecapitalsumforthe45billionU.S.dollars;
intermediarybusiness3yearstheaveragegrowthrateto54.2%,muchhigherthanthe9percentaverageannualtotalassetsandtotalcapitalatanaverageannualgrowthrateof21.6percent.
2.3Middle-incomestructureofthebusinesschange.
Westerncommercialbanksfrom1980to1990of10years,thetotalincomeofnon-spreadrevenuerapidupwardtrendinboth.Themiddleofforeignbanksoperatingincomegenerallyaccountsfor40%oftotalrevenue-50%.Acc
- 配套讲稿:
如PPT文件的首页显示word图标,表示该PPT已包含配套word讲稿。双击word图标可打开word文档。
- 特殊限制:
部分文档作品中含有的国旗、国徽等图片,仅作为作品整体效果示例展示,禁止商用。设计者仅对作品中独创性部分享有著作权。
- 关 键 词:
- 中国 商业银行 中间业务 发展 国际 比较 外文 翻译
![提示](https://static.bdocx.com/images/bang_tan.gif)