我国发展商业银行中间业务的再思考

随着传统存贷业务利差收入的逐步减少,经济发展水平的提高,银行客户需求多样化发展,金融业全面对外开放日益临近,我国商业银行进一步发展中间业务具有十分重要的意义.我国商业银行中间业务起步晚,收入比重低,品种少,创新能力不足,服务收费不合理.加入WTO后,中外银行的激烈竞争促使我国商业银行在发展中间业务上必须尽快提高认识,完善组织管理,强化产品开发,实施有效市场营销,优化服务手段,完善人才培养机制,调整收费标准,防范市场风险.

Another Thought on the Development of the Intermediate Businesses of China''''s Commercial Banks

It is of great significance for China's commercial banks to advance their intermediate businesses for the following reasons: the gradual decrease in the profits from interest spread in the traditional businesses of deposit and loan;the rapid economic development;the variety of clients' demand and the drawing nearer days when the financial industry opens overall to the world.Some problems remain in the intermediate businesses of commercial banks in our country: since the businesses started rather late,the proportion of incomes is low;there is lack of variety and strong creative power,and unreasonable charges still exist.Thus,it is hard for them to face the fierce competiton after China's entry into WTO,and the domestic commercial banks should raise the awareness,improve the organizational management,intensify the development of products,practice effective marketing,optimize the serving methods,perfect the talent-cultivating mechanism,adjust the charging standards,and hedge the market risks in regard to the developing of the intermediate businesses.