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The past two years the state-owned commercial banks have different levels of development among business, but it is still in the structure of varieties. State-owned commercial banks and foreign commercial banks in the industry, there is still a certain distance. Market competition among state-owned commercial banks only further accelerate business innovation really shaping up their core competitiveness, and gain the initiative in the next phase of development. In this paper the development of intermediate businesses, many of the problems of state-owned banks in the direction of innovation Analysis of the problems. fully understand and foreign banks, foreign banks gap learn.

The near for two year state-owned commercial bank's middle service hadthe varying degree development, but regardless of is in the variety orin the structure, the state-owned commercial bank and the overseascommercial bank industry compare, still had the certain distance. Thecompetition market request sta