利率市场化改革背景下商业银行中间业务发展  

Research on Commercial Banks' Intermediary Business Development in the Context of Interest Rate Liberalization Reform

作　　者：陈昆[1] 李志斌[1] 王笑静[1] 

机构地区：[1]南京审计大学,南京211815

出　　处：《金融理论探索》2016年第2期50-54,共5页Exploration of Financial Theory

基　　金：江苏高校品牌专业建设工程一期项目(苏教高[2015]11号);江苏省高校哲学社会科学重点研究项目(苏教社政[2010]9号);江苏省高校优势学科建设工程项目(苏政办发[2014]37号)

摘　　要：随着利率市场化改革深入发展,存贷利差减小,我国商业银行依靠传统的资产负债业务获取利润的空间大大减小,中间业务对商业银行而言就变得很重要。但是我国商业银行中间业务收入在营业收入中所占的比例仍然偏低,中间业务发展存在结构不合理、规模小、发展不平衡等问题。对此,要改变传统观念,加强中间业务品种的研发,通过多种渠道做好产品营销;建立合理化的中间业务收费政策;加强对中间业务的监管,从而推动我国中间业务的稳健发展。With the further development of interest rate liberalization reform, interest spreads of deposit and loan diminishes. The profit space for commercial banks by utilizing traditional assets and liability businesses is narrowing, and then intermediary services are becoming increasingly important for commercial banks. However, the profit gained from intermediary service in China＇s commercial banks is lower than that in western commercial banks. There are other problems in commercial banks＇ intermediary services in China like inappropriate structure, small scale and unbalanced development. Therefore, we should change traditional ideas and strengthen the development of intermediary service types and promote marketing of intermediary service products through a variety of channels. The reasonable charging policy of intermediary service should be set up. And the supervision of intermediary business should be strengthened so as to promote the stable development of China＇s intermediary business.

关 键 词：利率市场化 商业银行 中间业务 对策 

分 类 号：F832.2[经济管理—金融学]