The Legal Risk And Prevention Of Intermediary Business In Chinese Commercial Bank

With the deepening of the international economic integration, foreign banks have entered, then the abundant capital, perfect service, advanced software and hardware level, to our country commercial bank form the huge impact. But our country in economic transition period, the real economy needs to be more comprehensive, systematic, diversified and personalized financial services, from traditional deposit and lending interest rate marketization business spreads are more narrow, the used to rely on the interest income of Chinese commercial banks a huge challenge. Under the variety of inside and outside because of the role of, develop intermediary business, increase in non-interest income become the future trend of the development of Chinese commercial banks.With the major banks have the intermediary business development referred to the strategic height, the legal risk of the intermediary business prevention has become an important subject of theoretical research and unavoidable reality. Firstly, the concept and types of intermediary business of commercial banks were theoretical overview, followed by an analysis of the current situation of the development of the intermediary business of commercial bank of our country and necessity of developing the intermediary business, and has carried on the analysis appraisal to the good foreign intermediary business and legal environment, obtained a favorable legal system is intermediary business development of the necessary conditions. In this paper the intermediate business development of commercial bank of our country is facing the legal risks types, at the end of this paper, in reference to the success of the commercial banks in developed countries on the basis of the experience, from the financial regulation, the commercial banks internal construction and the construction of legal system of three level proposed a series of risk prevention measures. Expect this to our country commercial banks in-depth, stable development benefit.