摘要:随着我国金融业的全面开放，金融市场的竞争越来越激烈。商业银行重点发展资产业务、负债业务等传统业务的观念被改变，中间业务逐渐得到很大程度上的重视，很多银行将它定位于业务发展的重点，促进利润增长的新方式。然而，与西方国家相比，我国商业银行中间业务由于起步晚、起点低，风险管理这块仍处于初级阶段。而且大多数新兴的中间业务虽然能给广大客户带来很高的利润，但是由于其是高技术含量业务，所以风险也很高，一般常见的如市场风险、经营风险、法律风险和担保风险等等，如果这些因素表现出来，将会给银行带来很大的损失。所以，研究中间业务风险控制具有重大意义。
本文通过对我国商业银行中间业务的种类、中间业务的风险种类和特点以及目前国内中间业务的风险现状的介绍，着重探讨了对于中间业务风险的防范措施，建议监管机构从内部控制和外部监管两个角度出发，确保中间业务的的健康和快速发展。
关键词 商业银行；中间业务；风险；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
