商业银行中间业务的开展

目录

中文摘要与关键词··················································Ⅰ

我国商业银行中间业务的发展现状································1

我国商业银行中间业务存在的问题································2

制约中间业务发展的因素······································2

1．观念不新···················································2

2．局限性·····················································2

3．收费偏低，标准不统一·······································3

（二）缺少专业人才，技术手段落后··································3

三、改善发展中间业务的条件，大力发展中间业务······················3

（一）转变观念，让中间业务成为商业银行新的利润增长点··············3

（二）发展中间业务的有效途径······································4

1．切实提高认识、转变经营理念、提高服务水平···················4

2．把握网络背景下中间业务新的发展变化趋势·····················4

3．改变目前普遍存在的条块分割、管理分散、协调配合不力等现象···5

4．加强人才队伍建设···········································6

参考文献··························································7

[摘要]中间业务是指商业银行在传统的资产业务和负债业务的基础上，在我国银行业全面开放的大背景下，银行业竞争日趋激烈，我国商业银行在业务拓展方向上仍然以存贷业务为主，这不利于增强竞争力，因此发展我国商业银行中间业务还有待进一步开发，首先要突破中间业务对各个银行的局限性。在我国银行业全面开放的大背景下，银行业竞争日趋激烈，我国商业银行在业务拓展方向上仍然以存贷业务为主，这不利于增强竞争力，因此发展我国商业银行中间业务已经是迫在眉睫。

[关键词]商业银行；中间业务；现状；制约因素；对策