摘 要

我国的商业银行类型主要包括五大行以及各类中小型银行，作为金融领域的一大巨头，追求利润的最大化一直是各大金融企业所追求的共同目标。而发展经济目标是商业银行对比于其他企业而言担任的不同的任务使命。在特定的条件下，必须服从一个国家宏观调控的需要，为完成国家或政府的政治目标和经济目标提供制度保证，不仅仅是作为一个经济实体而存在。因此在实现和追求经济目标的同时，商业银行也必须要实现相应的社会目标。近年来，银行的资产业务发展增速放缓，但负债业务以及中间业务方面竞争激烈，使得银行的各大主要业务发展类型屡屡受到挑战。商业银行对于一国经济发展起到至关重要的作用,自改革开放以来，我国的银行业在金融领域飞速发展，实行大开国门的政策，在经济全球化的影响下我国的对外开放政策的效果也越来越显著。同时伴随着商业银行风险的出现，金融危机频频发生，严重的甚至影响全球金融发展的例子也不在少数，因此若想寻求经济稳定发展和金融业的繁荣，对于商业银行各大业务的管理研究也逐渐受到理论界重视，对于商业银行业务管理体系的资产利用与研究与是保证商业银行持续发展和稳定的关键。在金融创新领域，金融衍生产品的创新在我国正式的进入了迈入了一个新的台阶,如在资产证券化方面也进行了一些与世界金融发展有差异的尝试,取得了一些不错的成就。

面对国内外商业银行改革发展趋势逐步纵向推进的局势和国内银行业全面对外开放的新形势和新挑战，国有商业银行在业务拓展和可持续发展上面临巨大的压力,对于核心竞争力的要求也越来越高, 传统的优势和地位正不断受到挑战，我国商业银行如何实现长期的经营与发展也是一个不断更新的话题。

本文的目标即为从经营和管理两方面结合来探讨我国商业银行目前面临的发展环境与问题，以及提出相应的对应策略。同时将从着眼优化负债结构、强化风险管理、金融创新发展、拓展中间业务、提高服务水平、健全激励机制等方面来探讨我国国有商业银行资产业务发展状况和未来的发展趋势 。

在银行与金融也飞速发展的时代，商业银行的各项业务管理将面临着改善与升级。商业银行在经济新常态中业务管理方面也将一些机遇和挑战,因此需要紧抓机遇,提高业务管理水平，也是商业银行迫切需要解决的问题。

关键词：商业银行，资产负债业务，新常态经济，金融创新

Abstract

Commercial banks as a business, its business objectives is undoubtedly the profit should be maximized, while taking into account the social benefits. The economic goal is the intrinsic attribute of commercial bank. Under certain conditions, it is necessary to obey the needs of a country's macroeconomic regulation and control, to provide institutional guarantees for the completion of national or governmental political and economic objectives, not just as an economic entity. Therefore, in the realization and pursuit of economic goals at the same time, commercial banks must also achieve the corresponding social goals. In recent years, the bank's asset business growth slowed, but the debt business competition, commercial banks, assets and liabilities business will be challenged. Commercial banks have a decisive role in the economic development of a country. With the continuous strengthening of the opening of China's financial market, the accumulation of risk of commercial banks has led to the financial crisis, and the economic prosperity is unprecedented. Therefore, if you want to seek stable economic development And the prosperity of the financial industry, for the management of commercial banks more and more attention by theorists, for the commercial banking business management system of assets and is to ensure the sustainable development of commercial banks and the key to stability. In the field of financial innovation, the innovation of financial derivatives of commercial banks in China has entered the initial stage, and some different attempts have been made in asset securitization, and preliminary achievements have been made.

Face with the situation of domestic and foreign commercial banks reform and development trend and gradually push forward the situation and the domestic banking industry to open up the new situation and new challenges, state-owned commercial banks in business development and sustainable development is facing enormous pressure on the core competitiveness of the requirements But also increasingly high, the traditional advantages and status are constantly being challenged, China's commercial banks in the future survival and development is also a constantly updated topic. This paper will also explore the development trend of China's state-owned commercial banks' asset business and the future development trend from the aspects of optimizing the structure of debt, strengthening risk management, developing financial innovation, expanding middle business, improving service level and improving incentive mechanism.

In the era of rapid development of banking and finance, the business management of commercial banks will face improvement and upgrading. Commercial banks will also have some opportunities and challenges in the business management of the new economy. Therefore, it is necessary to seize the opportunity to improve the level of business management and to solve the problems that commercial banks need to solve.

Key words:commercial bank; business; development; the operation and management

目录

摘要..........................................................................................................................................I

Abstract...........................................................................................................................................II

1绪论...........................................................................................................................1

1.1研究背景和意义...........................................................................................1

1.2国内外研究现状…………………………………………………………...1

1.3研究思路与研究方法 …………………………………………...………..2

2商业银行经营管理发展阶段及相关模式................................................................4

2.1我国商业银行混业经营模式阶段形成........................................................3

2.2我国商业银行经营模式研究与分析............................................................3

2.2.1商业银行资产端经营分析与研究：................................................3

2.2.2商业银行负债端经营分析与研究....................................................5

2.2.3我国商业银行主要经营模式………………………………..….….5

2.2.4我国商业银行管理模式分析小结....................................................6

3我国目前模式的现状及问题分析

3.1我国商业银行经营管理模式现状…………………………………………7

3.2我国商业银行经营管理模式存在问题........................................................7

3.2.1 经营管理模式中所存在矛盾………………………………..……7

3.3.2商业银行经营管理模式问题探究 ………………………………..8

4商业银行模式前景预测及改善建议

4.1我国商业银行经营管理模式转型预测............................................................9