摘要:随着我国经济的高速发展以及我国金融体制改革的不断深化，个人与企业对商业银行所提供的金融产品需求也发生了较大的变化。在这种需求环境中，中国建设银行开始逐步重视中间业务的发展，并取得了一定的成效，但其中间业务仍面临着品种少，档次低，收益差，金融创新能力低等难题。相对于其他商业银行，建设银行主要进行一些传统的中间业务，如结算类、担保类中间业务，缺乏技术含量较高的交易类、咨询类中间业务。为了更好的应对未来可能出现的挑战，为了突破发展中间业务的瓶颈，中国建设银行应该进一步加快盈利模式的转型，不仅要继续发展中间业务规模，增加中间业务收益在所有盈利中的比重，更要努力对中间业务产品进行创新，将中间业务产品从如今简单的结算型，担保型转变为技术含量更高的咨询型、交易型。
关键词：中间业务，风险，建设银行
Abstract:Along with the rapid development of economy in China and the deepening of the reform of the financial system, individuals and enterprises to commercial Banks provide financial product demand also undergone great changes. In this demand environment, China construction bank, began by attention to the development of the intermediary business, and have achieved some results, but one of them business between still face a few varieties, low class, income is poor, financial innovation ability lower problem. Relative to other commercial Banks, construction bank is to some of the traditional middle business, such as settlement category, guarantee category intermediary business, lack of high technology content of the deal, consulting category intermediary business. In order to better cope with the possibility of future challenges, in order to break through the bottleneck of the development of the intermediate services, China construction bank should further accelerate the transformation of the profit pattern, not only to continue to develop intermediary business scale, increasing middle business income in all the proportion of the profits, and more efforts to middle business product innovation, will intermediary business products from today simple settlement type, guarantee for higher content of technology, a shift of consulting type, type deal.
Key Words：Intermediate Business , Risk , Construction Bank
