我国商业银行中间业务存在的问题及对策研究摘要：从20世纪90年代开始，一些发达国家银行非利息收入快速增长，呈现出了中间业务、资产业务和负债业务三足鼎立、并驾齐驱的态势。作为商业银行新的利润增长点，我国商业银行要想繁荣发展就必须大力发展中间业务。本文阐述了我国商业银行中间业务的现状，虽然得了一些成绩，但是还存在着一些问题：分业经营模式制约中间业务发展，经营观念存在误区,对于中间业务不够重视，相关的高素质人力资源匮乏，对中间业务中存在的风险认识不足等。通过分析存在的问题及原因从而有针对性的提出相应的对策：加快金融业混业经营步伐，全面提高认识矫正经营观念，制定有效措施，提高中间业务效益，提升人力资源管理策略，提高从业人员素质，完善中间业务的组织管理体系，严密防范风险等措施。希望能够通过这些建议能够给我国商业银行中间业务稳步健康发展起到积极意义。关键词:我国商业银行；中间业务；问题；对策IntermediatebusinessofcommercialbanksinChinaProblemsandCountermeasuresAbstract:90'sfromthebeginningofthe20thcentury,somedevelopedcountriestherapidgrowthofbanknon-interestincomeshowedanintermediatebusiness,assetsandliabilitiesofthethreeoperations,keeppacewiththetrend.Commercialbanksasanewprofitgrowthpoint,China'scommercialbankstotheprosperityanddevelopmentmustbetodevelopintermediarybusiness.Inthispaper,intermediarybusinessinChina'scommercialbanksofthestatusquo,althoughhadsomesuccess,buttherearestillanumberofissues:theseparationofconstraintsamongthebusinessmodelofbusinessdevelopment,businessconceptoftheexistenceoftheerrorsinthemiddleofthebusinessdonotpayenoughattentiontotherelevanthigh-qualityhumanresourcesoftheexistenceofintermediarybusinessinthelackofriskawareness.Byanalyzingthereasonsfortheproblemsandthustofocusontheappropriateresponse:theoperationmodetospeedupthepaceofthefinancialindustry,acomprehensiveawareness-raisingoperationtocorrecttheconceptofthedevelopmentofeffectivemeasurestoimprovetheefficiencyofintermediarybusiness,upgradehumanresourcesmanagementstrategytoimprovetheemployeesquality,andimprovetheorganizationofthemiddleofthebusinessmanagementsystem,strictmeasurestoguardagainstrisks.HopethatthroughtheserecommendationstobeaddressedtotheintermediarybusinessinChina'scommercialbankshaveplayedasteadyandhealthydevelopmentofpositivesignificance.Keywords：China'scommercialbanks；intermediarybusiness；problem；countermeasure引言：改革开放以来，随着金融市场的扩大与完善。我国商业银行中间业务取得了长足的发展,业务品种走幅增加，总量明显增多,效益逐步提高。但是与国外商业银行开展中间业务悠久的历史相比，我国商业银行中间业务的发展仍处在起步阶段。市场存在着对中间业务认识存在偏差、风险防范与内部体系不够完善等种种