商业银行中间业务及风险管理的几点思考

我国商业银行在中间业务发展上与外资银行相比存在较大的差距。面对外资银行进军中国市场的事实,我国商业银行只有大力发展中间业务才能抵抗外资银行的冲击。发展中间业务必定伴随着风险的出现,特别是与业务发展相关的风险巨大,银行自身必须从内部做好相关的风险防范与管理;同时,银行监督管理部门也要从外部做好相关的风险管理工作,来保障和促进商业银行中间业务的发展。

Thoughts on the Intermediary Business and its Risk Management of the Commercial Bank

Compared with the foreign commercial banks in the development of the intermediary business, there are greater disparities in our country s commercial banks. Faced with the fact of foreign commercial banks marching into the Chinese market,our commercial banks are not able to resist the impact of the foreign commercial banks unless developing the intermediary business energetically,which will be accompanied with some risks, especially that correlate to the business development. The banks themselves must take measures to prevent and manage the risks. Meanwhile, the supervision department has to strengthen some risks management in order to ensure and promote the development of the intermediary business.