对泰州金融机构中间业务发展情况的调查与思考

An Investigation and Deliberation on Intermediary Business Development of Taizhou's Financial Institutions

近年来,中间业务日渐成为银行机构业务转型的着力点,其业务规模不断扩大,在银行效益中的份额占比显著提升。银行中间业务的迅猛发展同时也伴随着与市场有效需求脱节、与主营业务搭售以及业务发展不尽规范等问题。本文以泰州为案例对银行中间业务进行了回溯与剖析,并从业务规律、管理考核、人才建设以及业务监管多个角度提出了优化中间业务发展的思考。

In recent years,intermediary business has gradually become the focal point of commercial banks' business transformation.The scaleof intermediary business has continuously expanded,and its share in bank benefit has significantly risen.Yet the rapid development of intermediarybusiness also brings about some problems,such as disconnection with effective market demand,tied sale with main business,non-normativebusiness development,etc.The article analyzes commercial bank's intermediary business based on the case of Taizhou,and deliberates on theimprovement of intermediary business development from the angles of market discipline,management and inspection,human resources cultivation,business management,etc.