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Question

商业银行中间业务是指商业银行在资产业务和负债业务的基础上，利用信息、技术、机构网路、资金和信誉等方面的优势，不运用或不直接运用自己的资产，以中间人（代理人）的身份接受委托为客户办理收付、咨询、代理、担保等其他委托事项，提供各类服务并收取佣金、手续费、管理费等费用的经营活动。20世纪后期，商业银行之间的竞争异常激烈，各大银行在保持自己存贷业务的同时，开始重视一度被忽视了的中间业务领域，并开始用创新的方式去从事中间业务。目前我国商业银行在中间业务开展方面发展较慢，中间业务品种较少，技术含量低，中间业务收入占比不高，这极大制约了我国商业银行的持续稳定发展。本文就探讨我国商业银行中间，业务的发展与创新，主要介绍中间业务的基本概念、性质和作用，论述中间业务性质。对我国商业银行开展中间业务的现状作了较详细的分析，指出我国中间业务存在的问题，并提出对策。作者从理论出发，借鉴和引用国内外多位专家的研究成果，并且在通过走访和调查后，收集大量数据和资料。发现问题、提出对策，以期能够对商业银行的改革贡献一点力量。

Answer 1

商业银行中间业务是指商业银行在资产业务和负债业务的基础上，利用信息、技术、机构网路、资金和信誉等方面的优势，不运用或不直接运用自己的资产，以中间人（代理人）的身份接受委托为客户办理收付、咨询、代理、担保等其他委托事项，提供各类服务并收取佣金、手续费、管理费等费用的经营活动。
The intermediary services of a commercial bank refer to a business operation, other than its asset operation and bond operation, in which the bank applies its various advantages in terms of information, technology, organization network, capital, reputation etc. without using or directly using its own assets to accept commission of its clients and act on behalf of them in the capacity of an intermediary (agent), to handle the entrusted matters such as collection and payment, consultancy, representation and guarantee, as well as to provide various types of services to its clients and charge them for commissions, service fees and management fees.

20世纪后期，商业银行之间的竞争异常激烈，各大银行在保持自己存贷业务的同时，开始重视一度被忽视了的中间业务领域，并开始用创新的方式去从事中间业务。目前我国商业银行在中间业务开展方面发展较慢，中间业务品种较少，技术含量低，中间业务收入占比不高，这极大制约了我国商业银行的持续稳定发展。
During the later part of the twentieth century, competitions among commercial banks were extremely intense; while still maintaining their deposit-loan businesses, the various big banks started to focus on the once neglected intermediary sector and began engaging in it with some innovative approaches. At present, the operation of the intermediary services of the commercial banks in China is advancing comparatively slow, with fewer varieties and low technological contents, and it accounts for only a small fraction of the total revenue of the banks. This has greatly constrained the sustainable development of commercial banks in China.

本文就探讨我国商业银行中间业务的发展与创新，主要介绍中间业务的基本概念、性质和作用，论述中间业务性质。对我国商业银行开展中间业务的现状作了较详细的分析，指出我国中间业务存在的问题，并提出对策。作者从理论出发，借鉴和引用国内外多位专家的研究成果，并且在通过走访和调查后，收集大量数据和资料。发现问题、提出对策，以期能够对商业银行的改革贡献一点力量。
By introducing the basic concept, nature and function of intermediary services, particularly expounding on the nature of intermediary services, this paper discusses the development and innovation of the intermediary services of the commercial banks in China. It analyzes in detail the present situation of intermediary services conducted by the commercial banks, identifies the existing problems and proposes some countermeasures. By beginning with the theory and drawing on the experiences and references of the research findings of various experts here and abroad, as well as by collecting large amount of data and information through interviews and investigations, this author attempts to contribute his limited efforts to the reform of commercial banks by proposing some countermeasures to the problems found.

【英语牛人团】

Answer 2

Commercial bank middle business is refers to the commercial Banks in assets and liabilities business on the basis of business, using the information, technology, organization network, capital and reputation advantages of not use or not directly use their assets to broker (agent) identity for the customer and commissioned to deal with, consulting, agency, security and other matters entrusted, provide all kinds of service and collect commission, poundage, managing costs of their activities. The late twentieth century, commercial bank of fierce competition between, each big bank deposit and loan business in to keep their own at the same time, paying attention to the once was neglected in the middle of the business areas, and began to use the innovative way to engage intermediary business. At present our country commercial bank in the middle of business development is relatively slow, among business variety less, technical content is low, middle business income than do not account for the high, this greatly restricted the our country commercial bank's sustainable and stable development. This paper discusses our country commercial bank middle, business development and innovation, mainly introduces the basic concept of the intermediate services, nature and function, this paper discusses middle business properties. Chinese commercial Banks to the present situation of the intermediary business gives a more detailed analysis, it is pointed out that China's middle business existing problems, and puts forward countermeasures. The authors from theory, reference and quoted the research results of the experts at home and abroad, and in through the visit and investigation, collection of a large amount of data and information. Found that the problem, puts forward some solutions in order to the reform of commercial Banks contribute little power.