更新时间：02-24 （刘教授）提供原创文章
摘要：随着世界经济的不断发展，非银行金融机构迅速崛起，使得商业银行的资产业务、负债业务等传统业务面临巨大挑战，经营风险加大，生存空间日益缩小，这样的外在环境迫使商业银行必须进行多元化的发展，拓展新的收入来源。中间业务已经成为商业银行增加经济效益和利润的重要部分，对于商业银行来说，发展中间业务有着重大的战略意义。随着中国金融市场逐步放开，越来越多优秀的国外同行加入到争夺这块蛋糕的行列，它们丰富的市场运作经验以及强大的研发和营销能力，让过度依赖传统存贷款业务和利差收入的中国银行业面临严重的挑战，本文通过对国内外中间业务发展的比较，以及对中资银行中间业务的现状探究，总结了中国商业银行开展中间业务中所存在的一些问题，并且借鉴国外银行中间业务发展的一些经验，对于找到适合我国国情的发展方法和途径展开了研究。
关键词：商业银行，中间业务，现状，改进建议
Abstract: With the development of economy, The rapid rise of non-bank financial institutions make the commercial bank's assets, liabilities business and traditional business be faced of huge challenge, because of the external environment that the management risk increase and living space shrinking, the commercial Banks have to diversify development, develop a new source of income. Intermediary business has become an important part to increase economic benefits and the profits of commercial banks，the development of the intermediate services has become the strategic significance for commercial banks. With China's financial market gradually unloosening, more and more excellent foreign counterparts join ranks for a piece of cake, their rich market operation experience and strong r&d and marketing ability, make Chinese banking that overly dependent on traditional GRC and interest income faces serious challenges. This essay based on the comparison of the intermediate services in inland and abroad, and the development of the intermediary business to Banks, summarizes the existing problems status quo of Chinese commercial banks in the intermediary business ,refer to the experiences of foreign banks to business development ,do some research to find the method which is suitable for Chinese national conditions.
Key words: commercial banks, intermediary business, current situation;,suggestions for Improvement