Intermediary Business Innovation And Risk-Control Of State-Owned Commercial Banks

Taking the practice of ICBC' s intermediary business innovation as a example and integrating theory with practice, this thesis analysis and studies deeply the inevitability, the feasibility, the strategy, profits and risks of the intermediary business innovation of state-owned commercial banks, and also its effect in lowering and controlling the commercial banks' risks.This thesis try to make out that in nowadays' economic and financial environment, state-owned commercial banks should attach most importance to the intermediary business innovation of lower risk based on the actual condition of their own, not pay more attention to the individual credit or imitate west commercial banks blindly to develop Derivatives, just like some other people advocated. To do more in intermediary business innovation is the best choice for stated owned commercial banks to improve profits and lower risks.This thesis is composed of the preface and four sections.With the analysis of the problems with ICBC' s financial business innovation and of the social and economic status of our country, the first section brings forward the viewpoint that ICBC' s financial business innovation should give priority to intermediary business innovation. The second section brings forward the strategy of ICBC' s intermediarybusiness innovation, and introduces several main innovative intermediary businesses of ICBC in detail. Taking those innovative intermediary businesses introduced in the second section as examples, the third section analyzes the profits and risks of intermediary business innovation in depth. The forth section analyzes what intermediary business innovation can do in lowering and controlling commercial banks' ri sks.The dissertating of this thesis mainly based on the practice of ICBC' s intermediary business innovation, but the conclusion educed is the same with other state-owned commercial banks, the condition of which is similar to ICBC. What should be said here is that state-owned commercial banks attach most importance to intermediary business innovation in their financial innovation just in nowadays' economic and financial environment. With the developing of the market economy, the aturing of the financial market and the building of the social credit system of our country, the stress of financial innovation will turn to businesses of high risk and high profit, such as Derivatives.