我国加入WTO以后,银行业的经营重点必将由现在的以资产负债业务为主向与国际接轨的多元化经营发展。而国际结算业务以其低成本、低风险、高收益,早已成为商业银行业务竞争的焦点。目前,西方发达国家的银行中间业务收入在其总收入中占有举足轻重的地位,通常占到总收入的40%左 After China’s accession to the WTO, the banking business will focus on the current focus of the business of assets and liabilities with the international practice of diversified development. The international settlement business with its low cost, low risk, high yield, has long been the focus of commercial banking competition. At present, the income from bank intermediary business in western developed countries occupies a decisive position in its total income, which usually accounts for 40% of the total income