我国商业银行中间业务现状及其拓展策略

Present Situation and Development of Intermediate Business of Chinese Commercial Banks

银行信用多边化的需要对中间业务的需求越来越强烈。加入WTO ,中资银行和外资银行之间的激烈的竞争促使我国商业银行必须尽快调整经营战略 ,大力发展中间业务 ,制定合理的中间业务发展规划 ;树立成本意识 ,注重效益 ;建立完善的人才培养机制 ;加大科技投入 ,优化服务手段 ;实行个性化服务同时加强市场监督 ,规范无序竞争 ,把中间业务的发展作为新的利润增长点 。

The need for diversification of bank credit makes more and more strong request upon intermediate business. With China's entry of WTO, the strong competition between Chinese and foreign banks requires Chinese commercial banks to adjust their operation strategy, develop intermediate business, make reasonable planning, raise cost consciousness, stress economic benefit, establish personnel cultivating system, expand scientific and technologic investment, improve the way of service, provide characteristic service, strengthen market supervision, normalize chaotic competition, turn the intermediate business into a new profit increasing area, thus to increase the market competition ability of Chinese banks.