"Intermediate income" is the bank's intermediate business income.

1. Meaning: Intermediate income is one type of bank income and is a non-interest income business. Intermediary business refers to the business of commercial banks handling payment and other entrustment matters and providing various financial services for customers. When handling this type of business, the bank is neither the debtor nor the creditor, but is in an entrusted agent position, performing various business activities as an intermediary.

2. Nature: Bank intermediary business is of a service nature. It not only meets the economic and social demand for financial services of commercial banks, but also attracts more customers to commercial banks and increases their operating profits. Bank collection is one of the non-interest income businesses of the bank, and it has a high degree of freedom in terms of transactions. As long as both parties agree, a mutually beneficial agreement can be reached.

3. Business: Intermediary business mainly includes settlement business, trust business, leasing business, agency financing business, consulting business, bank card business, as well as various businesses such as exchange, acceptance, letter of credit and computer services.

The role of commercial bank’s intermediary business

1. Commercial bank’s intermediary business does not directly constitute the bank’s on-balance sheet assets or liabilities, and the risk is relatively small. It provides a basis for the risk management of commercial banks. Tools and means. It also provides commercial banks with a low-cost and stable source of income. Improved the service functions of commercial banks.

2. Broadly speaking, the intermediary business of commercial banks “refers to the business that does not constitute on-balance sheet assets or on-balance sheet liabilities of commercial banks and forms non-interest income for banks.” On the basis of asset business and liability business, commercial banks make use of their advantages in technology, information, institutional networks, funds and reputation, and do not use or use less bank funds to handle receipts and payments for customers as intermediaries and agents. , consultation, agency, guarantee, leasing and other entrusted matters, business activities that provide various financial services and charge certain fees.

3. The intermediary business income of foreign commercial banks accounts for more than 50% of the entire banking business. Banks mainly focus on services. In this way, banks’ profits reduce their dependence on capital and solve the problem of banks. The contradiction between development and the requirement for simultaneous increase in capital; the profits of my country's commercial banks mainly rely on the interest rate difference between deposits and loans. This profit model creates a dependence on capital. If banks want to develop, they need to refinance to increase capital. This is So that the development of the bank can be restrained.

4. Therefore, it is of great significance for commercial banks to develop intermediary business, which is related to the fundamental issues of their own development prospects and integration with international standards.