1、对我国商业银行中间业务的思考No?C1?C2004JOURNALOFCHANGCHUNFINANCECOLLEGE?I?6?s?6?5?1?T?W(?f?(?S?L?U?f130022)?T?w?6?n?d?G?G?I?L?s?6?i?I?s?iko?d?L?L?Z?I?6?s?6?L?i?B?i?R?L?C?i?t?ko?L?6?A?C-I?o?C?f?L?s?6?s?6?ko(?a?s?6?7?n?d?7?(?s?4?F830?C33(?a?J?NA(?)1671T36671(2004)Ol?0016T304?s?6?L?B?J?F?i?L?L?B?BkN?,?kN?-?L?s?L?I?w
2、?4kN?d?kN?2?F?d?v?6?L?C?kN?W?,?6?L?G?6?U?t?6?ko?T?w?6?n?d?G?G?I?L?s?6?i?I?s?iko?d?L?L?Z?I?6?s?6?T?L?B?i?B?i?R?L?C?i?t?ko?L?6?C?f?L?s?6?s?6?ko?kN?t?s?6?G?,?s?6?d?(?)?s?6?B?6?J?L?B?n?s?6?B?6?J?ko?B?,?s?6?B?6?F?L?o?ko?s?6?B?F?t?i?L?6?6?L?y?)?6?L?n?L?K?0?61kN?6?2kN?6?3kN?6?4kN?4?65kN?6?6kN?6?ko?6?R?F?L?
3、y?)?6?w?L?L?,?b?n?L?3?6?(?F?L?h?6?ko?L?s?6?b?6?d?L?c?j?d?L?f?L?ko?,?L?w?6?kR?3?kA?L?L?3?T?w?6?t?L?w?F?d?L?4?c?t?Z?L?L?i?4?s?6?L?F?B?,?F?B?,?L?L?B?2?4?k?L?s?2?6?K?ko?I?y?i?i?kNTl?Z?E?O?T5?s?4?6?L?F?i?L?B?W?i?L?Z1?J?,?c?k?v?d?ko?Z?s?6?B?r?kN?P?L?,?c?j?d?L?k?2?6?L?G?,?2?6?f?d?K?ko(?)?s?6?B?s?6?s?6?b?-?
4、i?L?s?6?D?G?,?s?6?N?d?U?ko1?CTl?Z?T5?W?s?6?ko?Tl?Z?T5?B?J?I?,?L?6?k?Z?,?kG?d?WkI2003T312T320?0?T?W(1980?)?L?L?N?L?f?(?S?ko?3?I?6?ko?16T32004?b1?W?f?(?S?K?b75?W?H?L?L?i?H?L?h?A?L?L?s?6?h?A?L?R?L?o?,?S?Tl?Z?T5?h?ko?s?b?o?,?W?L?6Tl?Z?T5?L?d?U?k?L?G?d?L?90?s?W?L?L?r?B?w?W?N?A?L?Z?B?6?L?s?L?s?6?t?L?B?s?6
5、?d?U?ko?L?6?S?L?w?n?d?n?H?L?L?Z?w?6?R?tko?s?6?ZTl?n?T5?D?7?L?s?6?G?,?n?ko2?C?C?L?s?6?4?G?,?s?c?ko?i?I?2?k?,?6?s?L?s?6?L?6?6?C?L?C?L?s?6?d?G?,?s?c?ko?,?i?I?4?kN?u?kN?2?4?B?,?L?K?s?i?o?L?3?4?G?I?k?Hko?s?C?A?F?L?L?,?-?Z?B?s?6?Ako?i?L?e?B?L?6?s?6?G?L?B?6?-?L?s?6?i?U?h?W?L?f?s?6?L?3?i?f?4?L?6?B?k?ko?s?6?
6、d?A?L?6?i1980T31990?L?n?d?K?d?U?W?R?L?n?d?K?d?1980?22?0?R?k1996?39?0ko1997?g?n?d?K?d?,44?0?L?,51?C8?0?L?6?-?2?K?s?o?,ko?W?,?6?t?A?L?L?W?,?6?o?,?b?I?U?6?L?d?F?s?4?L?W?L?F?D?ko?L?W?A?L?I?I?h?G?E?L?L?y?d?4?L?L?w?h?L?i?W?,?6?R?C?I?U?6?L?d?6?t?L?L?d?F?M?4?L?L?F?B?A?ko?Z?L?C?s?W?,?6?F?B?h?C?L?-?F?tko?L?U?
7、s?6?,?C?s?D?B?U?ko?L?Z?B?,?s?F?u?4?6?L?L?L?20?I?N?w?L?Z?wko?s?F?L?h?s?6?o?,?R?3?4?B?C?w?ko?s?6?o?,?A?L?U?h?3?kN?o?,?ko?Z?L?I?6?s?6?L?2?kN?o?d?L?B?L?B?w?L?N?6?I?s?6?F?W?L?s?6?2?7?N?L?L?6?H?L?i?I?d?s?L?n?d?90?0?R?L?U?6?99?0?L?L?t?I?N?6?3?k?s?6?c?n?C?d?C?L?I?s?6?4?B?t?L?w?o?,ko?F?6?Z?,ko?R?L?L?s?t?s?6?
8、o?,?L?B?F?K?S?L?I?d?n?1?L?L?F?1?L?Z?U?U?i?-?s?f?A?p?ko?kN?I?6?s?6?i?K?I?6?W?L?w?n?A?W?L?L?s?6?F?6?ko?I?d?v?F?WTO?,?t?L?F?L?6?G?k?s?6?H?L?6?ko?G?B?L?B?C?B?M?Cko(?)?I?6?s?6?k?5?2?6?s?6?o?,?L?s?6?L?S?d?D?k?L?i?61?C?6?S?W?tko?I?N?6?,?L1998?157?C15?L?B1978?15?C11?F?L?e?B?i?o?,?L1987?17?No?C1?C2004JOURNAL
9、OFCHANGCHUNFINANCECOLLEGESumNo?C75?i?(?U0?C2?L?L1998?L?U?6?i?(?Z?16751?ko?2003?R?,?Ll?6?O?s?s?6?d?B30?C8?L?L?W?L?4?s?6?d?,28?L?L?W?45?0ko2?C?6?F?ko?n?t?L?2?t?6?s?6?ko?L?6?s?k260?6?L?5?W?U?t?ko3?C?6?d?U?ko1978?I?6?n?d?K?d?F?kl?0?L?L?L?R?7T38?0?L?s?tko?R?A?L?M?I?6?f?s?6?L?s?6?G?L?B?L?L?d?U?t?ko?B?F?L?
10、I?B?F?L?I?k?I?i?F?ko(-)?i?K?I?6?f?s?6?i?R?(?L?H?L?L?D?F?ko?K?i?A?h?1?C?U?s?6?I?L?6?1?L?n?Zko?I?6?s?6?J?L?d?kN?i?kN?6?L?7?L?6?,?y?)?L?K?i?B?,?kN?y?kN?4?6?ko?L?S?kN?,?o?,?F?L?s?d?v?6?Iko?i?R?L?d?6?i?s?6?s?t?L?L?F?B?d?v?6?L?L?s?6?kN?k?d?v?t?6?L?Z?B?n?3?,?(?6?ko?L?6?s?6?6?L?t?L?6?n?d?G?s?k?T?L?0?11?t?6?
11、c?w?F?vkN?F?vkN?F?kN?(?d?kN?y?a?F?v?ko?A?L?F?R?A?L?s?6?2?J?6?L?L?5?L?I?6?s?6?U260?6?L?L?3?s?U?W?ko?s?6?K?d?A?L?I?6?s?6?d?K?d?b?i?18T310?0?L?,7T38?0?L?U?,1T32?L?L?s?,?U?-?L?U17?0?L?L?6?s?6?d?K?d?K?b?i40T350?0?L?h?r?L?8?k80?0?L?L?(?ko2?C?s?6?6?A?i?I?s?6?o?,?L?Z?B?K?6?L?Z?B?L?s?6?F?B?n?t?,?J?L?i?f?R?B?
12、J?kN?6?L?,?s?6?BTl?F?6T5ko?6?s?6?F?B?s?6?n?,?J?L?L?B?,?y?d?L?y?)?w?L?L?h?j?L?L?s?6?b?v?d?W?L?f?4?d?s?6?y?ko?U?Z?d?2?L?T?G?kN?d?v?L?6?6?B?w?L?d?vkN?d?k?L?6?P?L?L?3?s?6?tko?w?L?L?s?6?G?,?W?v?G?L?d?v?E?F?L?4?Lko?W?d?v?L?Z?w?L?L2003?7?O?L?N?U?6?A?L?B?K?o?k?d?v?L?Tl?b?T5?ko3?C?4?L?,?ko?i?s?6?4?R?,?J?4?A?
13、J?ko?2?s?6?G?ko?F?6ko?i?U?i?(?L?w?L?d?U?K?K?I?C?-?L?B?Z?2?s?6?2?,?L?w?4?6?F?L?L?L?L?U?6?8?B?F?L?i?L?d?6?v?L?kN?i?i?L?i?ko?w?L?i?4?R?2?s?6?t?L?F?W?1?L?,?tkN?B?t?U?tko?s?6?F?nko?L?L?i?s?6?(?i?R?,?ko?s?6?B?kN?kN?B?,?B?t?L?6?T?i?L?J?L?L?kN?,?k?U?ko?BkN?U?kN?4?L?L?I?S?F?B?L?i?A?R?K?T?s?6?C?7?ko4?C?M?Cko?
14、i?L?2004?b1?W?f?(?S?K?b75?W?B?i?W?K?s?F?ko?L?i?6?s?6?s?L?w?iko?L?t?kN?p?I?(?L?I?n?i?,?C?A?L?B?i?B?i?R?L?L?L?w?B?s?6?h?ko?R?4?s?A?k?L?s?6?s?6?A?L?F?o?L?C?L?I?A?o?,?kN?t?L?L?I?s?6?L?i?s?ko?UkN?s?6?I?6?i?s?6?s?F?L?1?C?v?L?L?L?B?N?)?ko(?)?I?s?6?L?i?R?s?6?s?6?C?T?w?6?L?v?,?s?6?BTl?W?6?T5?B?6?L?w?6?B?K?f?
15、6?L?B?L?J?s?6?Ako?s?6?2?h?ko?3?L?s?6?i?L?B?n?L?L?F?B?L?w?L?s?6?d?v?B?d?L?B?3ko(?)?J?O?L?)?s?6?i?s?6?R?L?F?kN?6?L?L?B?i?o?,?1?R?L?O?b?k?,kN?b?ko?k?d?6?L?L?L?F?L?w?d?v?iko?n?i?i?kN?JkN?4?D?-?I?w?h?4?ukN?kkN?F?(?U)?t?C?Z?L?s?6?T?i?L?I?6?F?L?L?2?L?3?U?k?,?(?6?L?,?s?6?k?L?G?B?(?6?4?6?F?O?ko?L?H?t?L?,?s?6?B?L?0?kN?ko?R?k?,?L?p?G?L?p?c?B?L?s?6?kN?W?ko(?)?7?T?L?1?s?6?U?2?F?W?L?H?1?L?Z?f?6?iko?L?L?1?J?L?,?s?6?7?T?ko1kN?,?s?6?L?4?s?6?L?L?s?6?L?t?ko2kN?n?i?a?,?6?kN
