中间业务收费--我国商业银行改革的关键

中间业务是商业银行受顾客委托而代客办理的属于服务性质的业务。根据我国加入WTO的承诺，我国对外资银行的准入限制将逐渐取消，中外资商业银行将同场竞技。通过与国际同行的比较分析不难看出，目前我国商业银行与外资银行最明显的差距就在于中间业务收费，不仅表现为中间业务收费刚刚起步，还表现为低水平无序竞争。因此，改革的关键，就是落实《商业银行服务价格管理暂行办法》，从政府和银行两方面人手，规范、整顿中间业务收费市场，大力发展中间业务。

Intermediate Business Charge--The Key to the Reform of Commercial Banks in China

The intermediate business is service business in which the commercial banks are entrusted by customers to handle the banking business. The comparative analysis between the Chinese commercial banks and foreign capital counterparts shows that the obvious disparity between them lies in the intermediate business charge which has just made a start in China and has been under a low disordered competition. So the key to the reform is to implement The Interim Regulations of Service Price Management of Commercial Banks, and proceeding with the government and bank norms, to standardize and rectify the intermediate business charge market and develop it in a more effective manner.