关于国有商业银行拓展中间业务的思考.doc

摘要:在现在的经济模式下，国有商业银行拓展中间业务是与国际接轨的一大课题，也是国有商业银行完善自身功能的需求，也能提高了国有商业银行的经营效益。但是我国商业银行的中间业务却处于初级阶段，面临盈利性仍然偏低，品种较少，组织规范差等问题，抑制了中间业务的发展。本文将针对以上问题对拓展国有商业银行中间业务提出思考，并提出相关解决方式。

关键词: 中间业务，拓展，商业银行

Abstract:Under the current economic mode, it is a very important issue for the state-owned commercial Banks to expand their intermediary business to follow the step of the world. Because such actions can not only meet the need of the optimization to the Banks, but also can help to enhancing the operation efficiency. However, the development of the intermediary business in our domestic commercial banks is still under the initial beginning stage and developing slowly caused by a lot of problems such as the low profit income, the rare of services and the lack of organization. Base on the problems mentioned above, this paper is going to put forward some ideas about the broadening of the intermediary business and try to conclude the solutions.

Key Word : Intermediary Business ，Expand，Intermediary business Broadening Commercial bank

　　　在市场经济条件下，商业银行全方位、多角度拓展中间业务是社会发展的需要，更是银行自身发展的需要。商业银行应趋利避害，高瞻远瞩，科学制定长远发展战略，迅速转换发展经营机制，增强主动性，提升中间业务发展水平。

然而银行盈利模式的彻底转型，不可能一蹴而就。工行董事长姜建清表示，未来工行将更加注重转变发展方式，从传统融资中介向全能型金融服务中介转变，改变利差收入占比偏高局面，加快形成多元化的盈利模式。