随着世界经济一体化的加快，各行各业都呈现出一种变革、融合、发展的趋势，其中尤以金融业最为重要。而在世界各国的金融行业中，银行业又是最为重要的金融机构之一，而商业银行未来发展的生命源泉就是它的业务的创新能力。我国的商业银行应该积极借鉴国外先进的经验，加强业务创新，为我国经济的发展做出贡献。
本文通过分析我国商业银行业务的现状和我国商业银行在资产业务、负债业务和中间业务中存在的问题，结合美国商业银行在业务创新方面的优势，并对比分析我国商业银行与美国商业银行在业务上的差别，突出我国商业银行在业务创新上存在的问题，最后提出解决方案，我国商业银行应该在资产业务、负债业务和中间业务方面有所创新发展，还有国家，社会也应该在各方面有所创新，保障商业银行的业务创新发展。23336
毕业论文关键词：商业银行；业务创新；中间业务
Title Business Innovative Research of China's commercial banks
Abstract
With the acceleration of world economic integration, businesses emerged as an agent of change, integration, development trend, especially in the financial sector is most important. And in the world of the financial industry, the banking industry is one of the most important financial institutions, commercial banks and the source of life for future development is its ability to innovate business. China's commercial banks should actively learn from foreign advanced experience, enhance business innovation, contribute to the development of China's economy.
This paper analyzes the status quo of China's commercial banking business and the business of Chinese commercial banks in assets, liabilities and business operations in the middle of the existing problems, combined with the advantages of U.S. commercial banks in terms of business innovation, and comparative analysis of China's commercial banks with U.S. commercial banking business the differences, highlighting China's commercial banks in the business of innovation problems finally propose solutions, China's commercial banks should be innovative in developing business assets, liabilities and intermediate business services, as well as countries in all aspects of society should also be to be innovative, to protect innovation and development of commercial banking business.
Key words：Commercial bank；Operation innovation；Intermediate business
目 录
1 绪论 1
1.1 选题的研究目的及意义 1
1.2 国内研究文献综述 1
1.3 国外研究文献综述 2
1.4 本文的研究内容 3
2 商业银行业务分类和业务创新影响 3
2.1 银行业务的分类 3
2.2 我国银行三大业务构成现状 4
2.3 商业银行业务创新的影响 4
3 我国商业银行各业务发展现状及其存在的问题 5
3.1 我国商业银行业务的发展现状 5
3.2 我国商业银行业务创新存在的问题 6
3.2.1 资产业务存在的问题 6
3.2.2 负债业务存在的问题 7
3.2.3 中间业务存在的问题 7
4 美国商业银行业务发展的优势和现状 8
4.1美国商业银行业务创新优势 8
4.2美国商业银行业务发展现状 9
5 我国和美国商业银行中间业务项目分析比较 10
5.1中美商业银行中间业务业务范围比较 10
5.2 中美商业银行最重要的中间业务差别11 我国商业银行的业务创新研究+文献综述:http://www.751com.cn/jingji/lunwen_16351.html