参考资料--农村信用社中间业务创新的初步研究.docVIP

本科学生毕业论文 题 目 农村信用社中间业务创新的初步研究 农村信用社中间业务创新的初步研究 摘要 中间业务是指银行业在资产业务和负债业务的基础上不运用或较少运用自身的资产，以中间人或代理人的身份为客户办理委托、担保和信息咨询等业务并收取服务费用的业务。农村信用社的中间业务是指农村信用社通过为客户办理支付、进行担保和其他委托代理事项等，从中收取手续费的各项业务。这些业务具有收入稳定、风险度较低的特点，集中体现了农村信用社的金融服务性功能，对社会经济运行和企业经济活动起着十分重要的作用。在现代金融机构的创新服务中，中间业务所涉及的内容最多，成为金融机构创新和活力的代表。本文从理论出发，借鉴和引用国内外多位专家的研究成果，并且在笔者通过走访和调查后，收集大量数据和资料。对农村信用社开展中间业务的现状进行分析研究，挖掘优势、发现问题、提出对策，以期能够对农村信用社的改革贡献一点力量。 关键词：农村信用社；中间业务；中间业务创新 THE PRELIMINARY STUDY OF INTERMEDIARY SERVICE INNOVATION FOR RURAL CREDIT COOPERATIVES ABSTRACT Intermediary service, which its own assets are used less or not, is the foundation of assets operation and liabilities operation in banking. Intermediary or agent takes service charge for client’s commission, surety and information consultation though this service. In Rural Credit Cooperation, it means Rural Credit Cooperatives transact payment, surety and other entrusted agent. They can be paid as poundage. These operations feature steadily and low risks. They are mainly show in function of services services Rural Credit Cooperatives. It is very important for social and entrepreneurial economical operation. In the new service of modern finance agencies, the Intermediary service includes the most aspects. We could see it as a representative of innovation and energy in this field.This book is on the theory. It is summarized the research results from many experts at home and abroad. There are also involved a number of database according to the writer’s visiting and investigation. He analyzed current situation about this service. Hope to make a contribution at reforming Rural Credit Cooperation though finding strengths, asking questions and coming up with countermeasures. Key words：Rural credit cooperative;Middle service;Middle service innovation 目 录 引 言 2 一、中间业务创新的理论 2 （一）农村信用社中间业务创新的定义 2 （二）中间业务创新的主要理论 3 二、我国农村信用社中间业务创新的现状及其重要性 4 （一）国内外银行中间业务创新的成果 4 1、国外银行中间业务创新的成果 4 2、我国银行中间业务创新的成果 5 （二）农村信用社中间业务现状 6 （