A Study Of The Intermediate Businesses Innovation Of The Commercial Bank In Our Country

In the middle service is refers does not constitute the commercial bank to show in the property, the table is in debt, forms the bank non- interest income the service. Along with the financial globalization, the financial liberalization, the financial information tendency development, the money market competition is day by day intense, the commercial bank tradition source of income - interest income greatly reduces. The commercial bank middle service by its risk small, the cost low, the income high becomes the commercial bank to increase the profit the important way, the middle service oneself becomes one of modern commercial bank core businesses, our country commercial bank middle service innovation significance therefore especially is also important.This article in the commercial bank middle service scope and in the characteristic change foundation, draws out the commercial bank middle service innovation the limits, through to our country commercial bank tradition middle service limitation as well as the western nation commercial bank middle service innovation development condition,pointed out our country commercial bank middle service innovation direction and key, namely our country commercial bank middle service innovation development can face personally is managing finances theservice, the innovation agency business, rents the service, the loan negotiable securities service, develops with the capital market correlation middle service as well as the financial growing service direction. Personally manages finances the service to take the middle service the important constituent, by its batch big, the risk low, the business scope is broad, the management income steadily grades the superiority, occupies the important position in the commercial banking development; Receives on another's behalf pays on another's behalf the service is the present our country commercial bank sets up in the agency business the variety to be most, a service scale bigger service, to its existing service conformity, must be able to enhance receives on another's behalf pays on another's behalf the service the efficiency and the benefit. Our country commercial bank relies on itsfund and the information superiority, is renting the service domain prospects for development very good; The capital market correlation middle service and the finance grow the product service is in the commercial bank middle service develops quickly, scale biggest service; The loan negotiable securities service, while takes an our country commercial bank middle service important innovation, also causes the commercial bank tradition to save the loan service and the middle service can the best transformation, thus caused the commercial bank finally to face is stepping out take the middle service income asin the main source of income direction to have the mile stone significance step. This article while points out the commercial bank innovation the direction and key, also had pointed out our country commercial bank middle service innovation development restriction factor, namely the policy system and the mechanism ossify, the middle service profit function is neglected, the commercial bank effective investment insufficiency, the ideology deviation as well as the corresponding legal laws and regulations are not perfect. But finally promotes ourcountry commercial bank middle service innovation way is the system innovation, establishes the drive mechanism; The transformation idea,strengthens three big consciousness; Enlarges the investment, the consummation middle service innovation development development software and hardware support condition; Study model, innovation development middle service as well as establishment perfectcorrelation laws and regulations system.