中外资银行支付结算服务收费的比较研究

Foreign-Domestic Commercial Bank Comparative Study on Payment and Settlement Service Charge

随着我国兑现加入WTO时的承诺,中国金融市场将逐渐对外资银行全面放开,外资银行必将凭借其先进的管理和成熟的经营,在业务上尤其是中间业务上与国内银行展开竞争,而支付结算业务是中间业务的重要组成部分。本文主要通过对国内外商业银行支付结算业务服务收费的比较,找出我国商业银行支付结算业务收费方面存在的差距,进而为我国商业银行发展支付结算业务提出相关建议。

With the China＇s WTO entry, Chinese financial market will be fully open to foreign banks. Foreign banks must compete with Chinese banks especially in the aspect of intermediary service charge by means of their advanced management and mature dealing. The payment and settlement service charge is an important component of the intermediary service charge. Through comparing the current situation of intermediary business of commercial banks between foreign and domestic, the article chiefly want to find the gap of the payment and settement service charge of Chinese commercial banks, and base on this, then give the suggestions on developing the payment and settlement service charge of Chinese commercial banks.