摘要：隨著世界經濟的不斷發展，非銀行金融機構迅速崛起，使得商業銀行的資產業務、負債業務等傳統業務面臨巨大挑戰，經營風險加大，生存空間日益縮小，這樣的外在環境迫使商業銀行必須進行多元化的發展，拓展新的收入來源。中間業務已經成為商業銀行增加經濟效益和利潤的重要部分，對于商業銀行來說，發展中間業務有著重大的戰略意義。隨著中國金融市場逐步放開，越來越多優秀的國外同行加入到爭奪這塊蛋糕的行列，它們豐富的市場運作經驗以及強大的研發和營銷能力，讓過度依賴傳統存貸款業務和利差收入的中國銀行業面臨嚴重的挑戰，本文通過對國內外中間業務發展的比較，以及對中資銀行中間業務的現狀探究，總結了中國商業銀行開展中間業務中所存在的一些問題，并且借鑒國外銀行中間業務發展的一些經驗，對于找到適合我國國情的發展方法和途徑展開了研究。

關鍵詞：商業銀行，中間業務，現狀，改進建議

Abstract: With the development of economy, The rapid rise of non-bank financial institutions make the commercial bank's assets, liabilities business and traditional business be faced of huge challenge, because of the external environment that the management risk increase and living space shrinking, the commercial Banks have to diversify development, develop a new source of income. Intermediary business has become an important part to increase economic benefits and the profits of commercial banks，the development of the intermediate services has become the strategic significance for commercial banks. With China's financial market gradually unloosening, more and more excellent foreign counterparts join ranks for a piece of cake, their rich market operation experience and strong r&d and marketing ability, make Chinese banking that overly dependent on traditional GRC and interest income faces serious challenges. This essay based on the comparison of the intermediate services in inland and abroad, and the development of the intermediary business to Banks, summarizes the existing problems status quo of Chinese commercial banks in the intermediary business ,refer to the experiences of foreign banks to business development ,do some research to find the method which is suitable for Chinese national conditions.

Key words: commercial banks, intermediary business, current situation;,suggestions for Improvement