新形势下我国商业银行中间业务发展对策

摘    要
中间业务是指不构成商业银行表内资产、表内负债，形成银行非利息收入的业务。随着金融全球化、金融自由化、金融信息化趋势的发展，金融市场的竞争日趋激烈，商业银行传统的收入来源——利息收益降低。商业银行中间业务以其风险小、成本低、收益高成为商业银行增加利润的重要途径，中间业务己成为行新形势下现代商业银行的核心业务之一，发展我国商业银行中间业务的意义也因此尤其重要。
本文通过比较我国商业银行中间业务的发展现状以及西方国家商业银行中间业务创新发展的研究，指出我国商业银行中间业务发展中存在法律法规制度不完善、缺乏服务意识、营销工作不细致等问题，并分析了制约我国商业银行中间业务发展的因素。并从美国、德国等国家的先进经验中得到商业银行中间业务创新方向的启示，根据我国的实际情况提出的发展对策包括：提高认识，发展组织管理体系，强化产品开发，有效营销策略，加大技术支持，优化服务手段。

关键词：商业银行；中间业务；发展对策

 
Abstract
Intermediary Business is refers does not constitute the commercial bank to show in the property, the table is in debt, forms the bank non- interest income the service. Along with the financial globalization, the financial liberalization, the financial information tendency development, the money market competition is fierce day by day, the commercial bank tradition source of income-interest income greatly reduces. The commercial bank middle service by its risk small, the cost low, the income high becomes the commercial bank to increase the profit the important way, the middle service oneself becomes one of modern commercial bank core businesses, our country commercial bank middle service innovation significance therefore especially is also important.
Based on China’s intermediary business of commercial banks and development of the western state commercial banks intermediate business innovation and the study of the development, pointed out that China’s development of intermediate business of commercial banks in the existing problems, and analysis of the constraints of China’s commercial banks intermediate business development. And from the United States, Germany and the other countries in the advanced experience of commercial banks by intermediary business direction of the Enlightenment, in accordance with the actual situation of China’s policy proposals are given.

Key words: commercial bank; intermediary business; development policy

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