负债业务(存款业务)、资产业务(贷款业务)、中间业务(服务业务)是金融行业三大业务。在社会经济不断发展的今天,金融业的竞争日益激烈,各金融机构积极采取各种措施改善自身服务质量,提高盈利水平,以保持其市场竞争能力。但仅仅依靠传统的存贷款业务,难以保持正常的盈利水平,必须拓展新业务,增加新的盈利渠道。目前,无论是从国际,还是从国内来看,中间业务越来越成为金融机构重要的利润增长点。传统模式下的弊端金融业中间业务的业务种类和业务量 Liability business (depository business), assets business (loan business), intermediary business (service business) are the three major businesses of the financial industry. With the continuous development of social economy, competition in the financial industry has become increasingly fierce. Various financial institutions have actively taken various measures to improve the quality of their services and improve their profitability so as to maintain their market competitiveness. However, relying solely on the traditional deposit and loan business, it is difficult to maintain a normal level of profitability, and new businesses must be developed to increase new revenue channels. At present, the intermediate business is increasingly becoming an important profit growth point for financial institutions, both from the international and domestic perspectives. Disadvantages of the traditional model Business types and volumes of business in the financial industry