摘要:近年来，我国商业银行中间业务发展极为迅速，中间业务收入的不断增加已经成为了商业银行重要的新的利润增长点。但在我国欠发达地区，由于各种深层次的制约因素，欠发达地区商业银行中间业务发展与发达地区商业银行相比仍然存在着较大差距。中国银行梅州分行多年来一直以存、贷款为主要业务，如今随着社会经济的不断发展变化以及金融需求功能的转变，如何迅速拓展中国银行梅州分行的中间业务已成为急需解决的重要课题。因此，本文从中间业务的基本理论入手，分析了我国四大商业银行中间业务的整体发展态势，并结合中国银行梅州分行中间业务发展背景，对该行发展中间业务的内外部环境进行总结、分析，提出该行发展中间业务存在经营理念偏差、管理机制落后等问题，分析该行发展中间业务的优劣势，为其中间业务的拓展从内外两方面提供具体策略，希望能够有助于该行解决其在发展中间业务过程中遇到的困难与问题，同时为其它欠发达地区商业银行中间业务的发展提供一些意见和建议。
关键词：欠发达地区，中间业务，中国银行梅州分行
Abstract:In recent years, the Commercial Bank of China's extremely rapid development of intermediary business, the continuous increase of the intermediary business revenue has become an important commercial banks, the new profit growth point. But in the less developed regions in China, due to the constraints of a variety of deep-seated, less developed areas of intermediary business development and developed areas compared to commercial banks, there are still a wide gap.Meizhou branch of the Bank of China has been to deposit, loan principal business, and now with the changes in the evolving financial needs of the social and economic functions, and how the rapid expansion of the Bank of China Meizhou branch of intermediary business has become an urgent need to address an important issue. Therefore, starting from the basic theory of intermediary business, business development trend of China's four major commercial banks in middle, intermediate business development background, combined with the Bank of China Meizhou Branch to summarize the internal and external environment of the line of the development of intermediary business. analysis put forward in the development of intermediary business there are deviations of the business philosophy, management mechanism behind the problem, analyze the advantages and disadvantages in the development of intermediary business, and provide specific strategies for the expansion of intermediary business from both inside and outside, hoping to help the bank to resolve their difficulties and problems encountered in the development of intermediary business process and provide some comments and suggestions, as well as other less developed areas of intermediary business development.
Key Words：Less developed regions, intermediate business, Bank of China Meizhou Branch
