摘要:隨著我國金融業的全面開放，金融市場的競爭越來越激烈。商業銀行重點發展資產業務、負債業務等傳統業務的觀念被改變，中間業務逐漸得到很大程度上的重視，很多銀行將它定位于業務發展的重點，促進利潤增長的新方式。然而，與西方國家相比，我國商業銀行中間業務由于起步晚、起點低，風險管理這塊仍處于初級階段。而且大多數新興的中間業務雖然能給廣大客戶帶來很高的利潤，但是由于其是高技術含量業務，所以風險也很高，一般常見的如市場風險、經營風險、法律風險和擔保風險等等，如果這些因素表現出來，將會給銀行帶來很大的損失。所以，研究中間業務風險控制具有重大意義。

　　　本文通過對我國商業銀行中間業務的種類、中間業務的風險種類和特點以及目前國內中間業務的風險現狀的介紹，著重探討了對于中間業務風險的防范措施，建議監管機構從內部控制和外部監管兩個角度出發，確保中間業務的的健康和快速發展。

關鍵詞 商業銀行；中間業務；風險；控制

Abstract:　Along with our country financial industry comprehensive opening, financial market competition is more and more fierce. Only focus on developing commercial Banks assets business and liabilities business tradition business such as the concept of change, gradually get largely the attention of the intermediary business, many Banks will it locate in the focus of the business development, new ways to boost profits. However, compared with western countries, our country commercial bank middle business due to the late start, low starting point, the risk management is still in its infancy. High technical content and most emerging in the middle of the business, so in the lucrative also has certain risk, common, such as credit, market, investment  and management risk, etc, once these risk factors, will bring great loss to the bank. So the research on intermediary business risk control is of great significance.

　　　This article through to our country commercial bank middle business types, risk type and risk identification is introduced, emphatically probes into the development of intermediary business in the process of risk status and specific preventive measures and Suggestions from the commercial Banks internal and external two aspects of financial regulators to intermediary business risk control system be perfected, so as to ensure healthy and rapid development of intermediary business.

Key words   commercial banks   intermediary business   risk   control measures