金融脱媒对商业银行中间业务的影响与应对措施

The Influence of Financial Disintermediation on the Intermediary Business of Commercial Banks and Its Countermeasures

随着我国经济发展,金融市场深化和成熟,金融脱媒现象愈发凸显,给商业银行中间业务的发展带来了前所未有的机遇和挑战:一方面金融脱媒促进了我国商业银行混合型中间业务,基金托管类业务以及理财咨询类业务的发展;另一方面金融脱媒也导致我国商业银行中间业务的单一化、同质化现象加剧;客户对商业银行的满意度严重下降;金融市场恶性竞争,相关法律法规空缺;专业技术人才不足等诸多问题。据此,提出具有可操作性的应对措施。

With the development of China’s economy,the deepening and maturity of financial markets,the phenomenon of financial disintermediation has become more prominent,bringing unprecedented opportunities and challenges to the development of intermediary business of commercial banks:on the one hand,financial disintermediation has promoted the development of mixed intermediary business,fund custody business,and financial consulting business in commercial banks;on the other hand,financial disintermediation has also led to a series of problems.The intermediary business of China’s commercial banks become simplified and the homogenization phenomenon has intensified.The customer’s satisfaction with commercial banks has been severely reduced.Financial markets have become vicious.The relevant laws and regulations are vacant and professional personnel are insufficient.Based on the analysis,the paper finally proposes actionable measures.