商业银行中间业务发展问题与对策.doc

摘要：自20世纪70年代以来，中间业务在西方商业银行中获得飞速发展，已逐渐成为商业银行的主要业务种类和收入来源。在我国，无论是在规模上还是在质量上，我国商业银行的中间业务与西方国家相比还存在很大差距。本文在这样的大背景下展开讨论，从我国商业银行中间业务的现状出发，阐述了我国商业银行中间业务发展的现状，分析了我国商业银行中间业务存在的问题以及产生这些问题的原因，并在此基础上提出了加速我国商业银行中间业务发展的对策。

关键词：商业银行 中间业务 现状

Abstract: Since the 1970s, the intermediate business of commercial banks in the West to obtain the rapid development of commercial banks has gradually become the main business types and sources of income. In our country, both in size or in quality, the intermediate business of commercial banks with foreign ，there are still a big gap. This article is in this context is discussed of discussion. From our country commercial bank intermediate business present situation, elaborated our country commercial bank intermediate business development present situation, has analyzed our country commercial bank intermediate business problems, the causes of these problems, and on this basis, put forward to quicken our country commercial bank intermediate business development strategies.

Keywords: Commercial Banks; Intermediate Business; The Present Situation

　　随着我国市场经济的不断发展和金融体制改革的不断深入，商业银行中间业务的转型和水平的提升势在必行。商业银行要以科学发展观为指导，进行理论和制度创新，全面提示商业银行的竞争力和服务水平。然而，中间业务的转型和水平的提升是一个长期的过程，要循序渐进，在借鉴国外先进理念和方法的基础上，因地制宜，在不断研究和探索中实现发展。