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对我国商业银行视角下中间业务收费现状的思考
引用本文:所宁,;段海燕.对我国商业银行视角下中间业务收费现状的思考[J].金融发展研究,2014(7):41-45.
作者姓名:所宁  ;段海燕
作者单位:[1]山东财经大学,山东济南250022; [2]中国人民银行济南分行营业管理部,山东济南250021
摘    要:商业银行中间业务是指银行利用自身的优势条件,不动用其资金,以中间人的身份替客户办理委托事项,提供各类金融服务而收取服务费用的业务。我国商业银行自引入中间业务以来,中间业务的收费问题屡次进入人们视野,收费市场混乱可见一斑。转入2014年,面对国家进一步放开存贷款利率限制以及网络金融的异军突起,商业银行由依靠传统业务向中间业务的转型迫在眉睫。然而,一直以来,商业银行对中间业务的忽视造成其发展过程中积弊重重,其中的收费问题又是各种问题集中展示的"交通灯"。本文试图在商业银行的立场下对当今中间业务收费现状进行思考,以期对商业银行进一步规范收费提出合理的建议。

关 键 词:中间业务  收费  商业银行转型

Reflections on the Charges for the Intermediary Business of China's Commercial Banks
Institution:Suo Ning, Duan Haiyan ( 1.Shandong University of finance and economics, Shandong Jinan 250022 ; 2.PBCJinanBranch, Shandong Jinan 250021)
Abstract:The intermediary business of commercial banks refers to the services which the banks use their advantages without taking up their capital,act as the intermediary to do the entrusted matters,provide all kinds of financial services and charge for those services. Since China's commercial banks introduced the intermediary business,the problem of charging the intermediary business has frequently entered people's view,and the chaos of this market is obvious.Since 2014,as the country further released control on the deposit and loan interest rate and the internet finance developed fast,it is imperative for the commercial banks to change its reliance on traditional business to intermediary business. However,the commercial banks' long-time neglect of intermediary business has brought many obstacles in its development. The charging problem is the traffic light of concentrated display of all kinds of problems. This paper tries to reflect on the status quo of the charges of present intermediary business from the perspective of commercial banks,so as to propose reasonable suggestions for commercial banks to further regulate the charges.
Keywords:intermediary business  charge for the intermediary business  transformation of commercial banks
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