The intermediate business in commericial bank sprang up massively in the financial liberalization and financial innovation in 20 century 70's. Along wih the development of financial market,IT and financial theory,financial competition make commercial bank to accelerate product innovation,service innovation and technical innovation constantly,in order to strengthen comprehensive service ability.The environmental change causes the development of the intermediate business and diversification of profit. With the globalization of finance,integration of economy and reformation of interest rate liberation,innovation of intermediate business has become a very important development srategy.Innovation products of intermediate business have become new sources of profits.More and more Chinese banks pay attention to the innovation of it.It is helpful to imporve the profits,optimize the resource distribution,decrease the management risks and improve the competitiveness of banks eventually. Compared with commercial banks of the western,the intermediate business of our counrty have a lot problems in dimension and quality.The auther chooses the intermediate business of commercial banks as object,starts with the innovation theory of western finance,studies the motivation and effects.Based on analysing the management status in domestic and overseas commercial banks and studing the intermediate business'development and diffidenc between the banks of China and western countries,the author suggests that to advance the development of the intermediate business of commercial banks of China. |