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近年来,随着银行业务创新步伐加快,行业竞争主体日趋多元化,现行《商业银行法》规定的业务范围已不能适应行业发展需要,亟待调整和完善。综合考虑行业经营现状、前瞻创新趋势,银行业金融机构的业务范围应该包括负债业务、资产业务、同业业务、中间业务以及综合化业务五类,明确业务分类、业务内涵及业务准入要求,是营造良好行业竞争秩序的客观要求,也是鼓励行业创新发展的必然方向。近年以来,我国经济金融改革取得突破性进展,已基本形成了多层次、广覆盖
In recent years, with the acceleration of banking innovation and the increasingly diversified subject competition in the industry, the scope of business stipulated in the current “Commercial Bank Law” can no longer meet the needs of the development of the industry and is in urgent need of adjustment and improvement. Considering the present situation of industry operation and the trend of forward-looking innovation, the business scope of banking financial institutions should include five types of liabilities business, asset business, inter-bank business, intermediate business and integrated business, clarifying business classification, business connotation and business access requirements The objective requirement of creating a good industry competition order is also an inevitable direction for encouraging innovation and development of the industry. In recent years, China’s economic and financial reform has made breakthrough progress, and has basically formed a multi-level and broad coverage