Study On Development Measure Of The Middle Business Of The Construction Bank

With the opening and in-depth of the financial market, the diversification of the financial product and progress of technology make the entry barrier of the banking reduce. The competition that the financial institution faces is more severe. Not only the inside competition of the banking is fierce, but also face the competition that come from no-financial institution. The traditional scope of bank business is shrinking, the profit level is reducing further. The business bank adjusts its beginning developing goal and strategies, turn to the goal improving the earning ratio of the capital as center. Begin to pay attention to the development strategy of intension type.The competition between in the bank of the foreign capitals and domestic business bank just raised the curtain. The competition situation of high level will be represented in the near future. The middle business with low cost, risk and high profit becomes the competition focus of the banking of various countries. Because the great distance existing among the Construction Bank, the foreign bank and foreign capitals bank in business development, enable the developing of middle business into an urgent subject waiting to be solved.This article studies the development measure of the middle business for the Construction Bank from theoretical researching, issue probing, measure studying.First of all, carry on the summing research to middle business relevant theories. Middle business concepts, classify and risk show establishe the theoretical foundation for the development measure of the business for the Construction Bank.Secondly, analyses the current situation of middle business development for the Construction Bank, and compare situation of middle business income in the middle of domestic and in abroad business bank. While researches the distance of business development behaving in six aspects what exist between foreign capitals banking and the Construction Bank.The third, put Construction Bank middle business into market, analyses and find out market develop issue. Study market characteristic including competition structure, competition characteristic, market structure characteristic, the market supply and demand characteristic, ability of supplying, while study, analyses the market state of business that the Construction Bank faces. According to the problems that the Construction Bank Participate in the middle business market, analyses the external environment condition,regard improving the competitive power as the goal, offer the basis for looking for the development measure.At last, base on the market, set about from the operation system and business strategy, research the development measure. According to the arduous task faced in business development, the Construction Bank should not only solve the bottleneck problems, such as talent, technology, innovation, etc., but also solve market orientation of the strategic problem and so on. Construction Bank's middle business development tactics is focused in eight aspects: the guiding theory, talent, technology, business strategy, research and development of products, pricing mechanism, marketing system and risk precautions.