我国商业银行中间业务发展现状、问题及对策研究

随着我国金融体制改革的深化,中间业务在继资产业务与负债业务之后,成为了商业银行的第三大支柱,因此,大力发展中间业务已成为商业银行必然的发展趋势。我国政府在商业银行发展中间业务过程中给予了一些指导和帮助,但在其中仍存在着制约其发展的因素。要解决这些问题,就要先分析出我国商业银行中间业务发展的现状,从中理出问题所在,并结合这些问题,根据我国实际,确立中间业务发展模式,逐步推进金融行业混业经营,使我国商业银行能在这一特殊历史时期快速、稳步的发展成为在国际金融市场上具有强大竞争力的商业银行。

China commercial bank medium business development present situation,problem and countermeasure research

With the deepening of the reform on our finance system,intermediary business has become the third major business for commercial banks after assets and debts business,therefore,developing Intermediary business vigorously become an inevitable trend for commercial banks.Our government has given some policy instructions and assistance during the development of intermediary business,yet there are still various factors restrict the effective development.In order to solve these problems,we must analyze the development presentation of intermediary business of china's commercial banks,find out the problems,combined with these problems,taking our reality into accountant to establish the pattern of intermediary business,impel the multi-operation business in finance industry gradually so that to make our commercial banks develop fast and steadily in this special historical period and obtain a formidable competitiveness in the international finance market.