商业银行中间业务发展瓶颈及对策

加入WTO,对我国商业银行的发展带来了极大的挑战.长期以来,我国的商业银行一直从事两项传统的业务:资产业务和负债业务.并且我国银行业的经营带有很强的政府色彩.随着我国加入WTO组织以及金融业的逐步放开,我国商业银行将面临着越来越大的竞争压力.如何拓展经营业务,增强商业银行的竞争力,已经成为我国商业银行的重要问题.而具有低成本、低风险、高收益特点的中间业务,是西方发达国家商业银行首要的利润来源.而这一业务恰恰是中资商业银行的"软肋".通过对商业银行中间业务进行界定,分析了我国商业银行的发展现状及制约因素,提出了大力发展中间业务的有关对策.

Bottleneck in development of intermediary business in commercial bank and the countermeasure

Being a member of WTO has brought huge challenge to commercial banks in China. For a long time,commercial banks in China have been engaged in two kinds of traditional operation: assets operation and debt operation.In addition,bank industry in China has strong government backgrounds. With China's entry into WTO and the opening of finance industry to the outside world,commercial banks have been faced with more and more stress of competition. How to explore their operation and boost up their competitive capability has become an important problem to our commercial banks.On the other hand, intermediary business ,characterized by low cost,low risk, high income, is the prime source of profit to many commercial banks in developed countries. However,it is just the weak point in commercial banks in China.Intermediary business is defined and the situation of commercial bank and some negative factors are then analyzed.Some measures to develop the intermediary business are finally put forward.