论文扉页、中英文摘要、目录标准格式示例[教学]

论文扉页、中英文摘要、目录标准格式示例[教学] 分 类 号 F83 密级 学校代码 10126 学号 00405034 本科毕业论文( 设计 领导形象设计圆作业设计ao工艺污水处理厂设计附属工程施工组织设计清扫机器人结构设计 ) 浅析商业银行金融业务创新 学院、系 经济管理学院 专业名称 金融学 年 级 2004级 学生姓名 沈雅洁 指导教师 丛晖 2008年3月25日 浅析商业银行金融业务创新 摘要 伴随着科技、经济、信息全球化的发展，金融创新十分活跃。金融创新能力的强弱，将直接决定着银行竞争力的大小，决定着商业银行在市场中的心衰成败。中央金融工作会议对今后时期金融工作的一项 要求 对教师党员的评价套管和固井爆破片与爆破装置仓库管理基本要求三甲医院都需要复审吗 是，“着力提升金融创新能力和服务水平”。基于这样的背景，本文着重对商业银行金融业务创新的必要信、现状及途径进行分析研究。本文首先介绍金融创新的定义，即金融机构或政府金融管理部门基于对微观或宏观利益发展的需要，以新需求为导向，以新技术为基础，创造出新的金融要素或对金融要素进行重新配置和组合，进而提供新的金融功能的过程。其次说明商业银行业务创新的必要性及有利条件，然后分别从商业银行负债业务创新、商业银行资产业务创新、商业银行中间业务创新三个方面说明我国商业银行金融业务创新的现状;最后分析指出商业银行金融创新的途径。 关键词:金融业务创新，金融业务创新现状，中间业务创新 Analysis of commercial banking and financial business innovation Author:Shen Yajie Tutor:Cong Hui Abstract Along with technological, economic, and information globalization, financial innovation is very active. The degree of financial innovation capability, the bank will directly determine the competitiveness of the size, determines the commercial banks in the market in the success or failure of heart failure. The central financial work conference on the future work of a period of financial requirements, "strive to enhance innovation ability and financial services." Based on such a background, this paper focuses on commercial banking and financial business innovation necessary letter, the status quo and analysis of ways. This paper introduces the definition of financial innovation, financial institutions or government financial management based on micro or macro interests of the development of a new demand-oriented to the new technology as the basis to create a new financial elements, or elements of the financial re - Allocation and portfolio, thereby providing new financial functions of the process. This was followed by that commercial banking business innovation and the need for favorable conditions, and then from commercial banks liabilities innovations in business, commercial bank assets, innovations in business, intermediate business of commercial banks three shows innovation of China's commercial banking business innovation of the status quo; final analysis pointed out that commercial Banking and finance innovative ways. Keywords: financial innovations in business, the financial status of innovations in business, intermediate business innovation. 目 录 绪 论???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????1 一、金融创新的定义?????????????????????????????????????????????????????????????????????????????????????????????????1 二、我国商业银行金融业务创新的必要性及有利条件?????????????????????????????????????????2 (一)我国商业银行金融业务创新的必要性?????????????????????????????????????????????????2 1、我国商业银行内外部环境变化的要求?????????????????????????????????????????????2 2、提升我国商业银行国际竞争力的客观要求?????????????????????????????????????3 3、我国商业银行应对各种挑战的必然选择?????????????????????????????????????????3 (二)我国商业银行金融业务创新的有利条件?????????????????????????????????????????????4 1、市场经济机制的日趋完善?????????????????????????????????????????????????????????????????4 2、科技手段日益强大?????????????????????????????????????????????????????????????????????????????4 3、市场主体的格局多元化?????????????????????????????????????????????????????????????????????4 4、商业银行边际利润率的下降?????????????????????????????????????????????????????????????4 三、我国商业银行业务创新的现状及存在的问题???????????????????????????????????????????????5 (一)负债业务创新的现状?????????????????????????????????????????????????????????????????????????????5 (二)资产业务创新的现状?????????????????????????????????????????????????????????????????????????????6 (三)中间业务创新的现状?????????????????????????????????????????????????????????????????????????????6 (四)商业银行业务创新面临的问题?????????????????????????????????????????????????????????????7 四、我国商业银行金融创新的途径???????????????????????????????????????????????????????????????????????8 (一)负债业务的创新??????????????????????????????????????????????????????????????????????????????????????8 (二)资产业务的创新?????????????????????????????????????????????????????????????????????????????????????9 (三)中间业务的创新?????????????????????????????????????????????????????????????????????????????????????10 结 论???????????????????????????????????????????????????????????????????????????????????????????????????????????????????12 致 谢???????????????????????????????????????????????????????????????????????????????????????????????????????????????????13 参考文献???????????????????????????????????????????????????????????????????????????????????????????????????????????????????14