摘要：目前，中间业务已经成为了中国商业银行除去资产业务、负债业务之外的又一重要支柱业务。加入世界贸易组织后，中国的金融市场自由化程度得到了进一步扩大，外国商业银行逐步加入到中国银行业的内部竞争行列中，导致各家银行在抢夺银行业务份额方面展开了越来越激烈的竞争，此时，新兴的中间业务开始成为各家银行的首要关注焦点以及银行选择竞争的业务对象。然而，中国的商业银行中间业务，由于发展的时间晚于西方国家，在发展过程中，能够开创和发展的各类业务项目受到了很大的限制。本文剖析了当今中国具有代表性地位的十家商业银行的中间业务收入现状、收入结构情况，总结并概括出当前中国商业银行发展中间业务存在的一系列问题及产生问题的因素，并通过借鉴国外商业银行发展中间业务的历史经验及教训，总结与归纳出，有利于推进中间业务健康、有序、平稳地发展的有效策略。
关键词 商业银行，中间业务，对策思考
ABSTRACT：Currently, the intermediary business which remove the asset and liability businesses has become an important pillar of the business of China's commercial banks.After joining WTO, the degree of liberalization of China's financial market has been further expanded, foreign commercial banks gradually added to the ranks of China's banking sector internal competition, leading to rob banks in banking participation in aspects of the increasingly intense competition,At this point, the emerging middle business became the primary focus of the banks And bank select competitive business objects.However, China's commercial banks which is in the middle of the business, due to the time late in the exploitation of Western countries, in the process of development. it is possible to create and develop business projects has been greatly restricted.This paper analyzes the current situation in China today intermediary business revenue of ten representative status of commercial banks, the revenue structure, the summary and outlines a series of questions Chinese commercial banks to develop intermediary business and generate factors exist current problems, and by drawing on foreign intermediate business of commercial banks on historical experience and lessons learned, summary and concludes, is conducive to promoting effective strategies among business healthy, orderly and smooth development.
Key Words : Commercial bank Intermediate business Countermeasures
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