新时期商业银行中间业务发展策略研究

Study on Development Strategy of Commercial Bank Intermediary Business in the New Period

资产业务、负债业务和中间业务是商业银行的三大支柱业务。在金融国际化和银行业全面开放的背景下,中间业务逐渐成为商业银行新的效益增长点和竞争焦点。我国商业银行中间业务起步晚、范围小、层次低和质量差,严重影响了其竞争力。我国已经加入世界贸易组织,银行业必须按照承诺对外开放并实现国际化和全球化。我国商业银行应把握机遇,进一步加大中间业务产品开发、创新和拓展力度,尽快提升商业银行中间业务竞争力,直面挑战。

Assets business, liabilities business and intermediary business are the three main pillar industries of commercial bank. In the financial internationalization and the comprehensive opening banking setting, intermediary business gradually becomes new beneficial growth point and competitive focus of commereial bank. The intermediary business of our country＇s commercial bank starts fairly late ,as well as its scope is small, and its level is lower and quality is poor, which strongly influence its competitive power.China has joined the World Trade Organization, so the banking must persist in opening to the outside world and realizes internationalization and globalization according to promise. Our country＇s commercial bank should seize the right moment, and further enhances the effects of product development, innovation and widening about intermediary business, so as to improve its competitiveness of intermediary business of commercial bank as soon as possible ,and meets the challenge.