我国商业银行中间业务发展研究

近年来，随着金融脱媒趋势日益显现和利率市场化进程进一步推进，银行资金成本逐步上升，利率管制对商业银行的利差保护被打破，单纯依靠存贷利差获取收益的传统经营模式受到严重冲击，大力发展银行中间业务对银行业发展刻不容缓．本文通过对比分析国内外商业银行中间业务的发展情况，找出目前我国商业银行中间业务发展存在的主要问题，并提出相关建议．

A Study on Intermediate Business in Commercial Banks of China

In recent years, with the increasing financial disintermediation and further advancement of mercerization of interest rates, the financial cost in banks is also increasing year by year, the interest rate control for the protection of eommereial banks is broken, and the revenue solely from traditional deposit and loan has seriously been affected. So it is urgent for the commercial banks to develop intermediate business. The problems of the current domestic commercial banks and the eountermeasuros are put forward after the intermediate business is analyzed at home and abroad in this paper.