论我国商业银行中间业务的拓展

一、我国商业银行中间业务的现状  ························3

二、存在的问题                  ························3

   （一）业务种类单一、经营范围较窄  ···························4

   （二）思想观念陈旧，发展不规范    ···························4

   （三）服务手段落后，缺乏高素质专业人才  ·····················4

三、对策与建议            ······························5

   （一）中间业务的出路      ···································5

   （二）中间业务加强管理、加大投入   ··························6

   （三）加强信心、迎接挑战   ··································6

内 容 摘 要

中间业务是一项复杂的系统化服务项目，发达国家的商业银行开展中间业务经过了长期的发展和完善，才趋于成熟。随着我国金融业的对外开放，面对外资银行的挑战，各商业银行拓展中间业务、增强综合竞争力，以变得尤为紧迫。所以我国商业银行要根据实际，总结发达国家商业银行在发展过程中的成功经验和失败的教训，对我们存在的问题认真总结，选择发展的重点，提高经办人员对中间业务发展的重视程度，敦促建议政策制订机构，制订完善相应的政策法规，使中间业务成为商业银行新的增长点。