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中间业务是指银行不占用或很少占有自有资金,以中间人的身份为客户办理各种收付和其他委托事项、提供各种金融服务并收取手续费的业务,国外商业银行通常将中间业务统称为表外业务。根据《巴塞尔协议》的规定,商业银行中间业务可分为四类:商业银行传统的代理、中介业务;担保业务;贷款承诺业务;金融工具创新业务,如期货、期权、互换、远期协约等。
Intermediary business refers to the bank does not occupy or seize their own funds rarely, as an intermediary for clients for a variety of payment and other commissioned by the provision of various financial services and fees charged business, foreign commercial banks usually intermediate business Collectively referred to as off-balance sheet business. According to the provisions of the “Basel Accord”, commercial banks ’intermediary businesses can be divided into four categories: commercial banks’ traditional agencies, intermediary businesses, guarantee businesses, loan commitment businesses, innovative financial instruments businesses such as futures, options, swaps, forwards Agreement and so on.