China Construction Bank Shandong Branch Intermediate Business Development Tactic Research

In the wake of our country's capital markets enlargement and interest rate floating reform acceleration, the scope of profit of bank's traditional business has been shrinking. At the same time, customers' demand alternation and the intensity of competition among commercial banks demands higher level of banks' business operation and administration. Under this circumstance, intermediate business has become the main field of innovation and important profit-increasing point. China Construction Bank Shandong Branch must free itself from limits on traditional deposit and loan business, pay special attention to and develop intermediate business in strategic foresight, regard the development of intermediate business as an urgent strategic mission.In order to elaborate the correctness and feasibility of the statement above, the original firstly review the course of development of CCB Shandong Branch, summarize the situation of CCB's share-holding system reform and the importance of the development of intermediate business. Based on diagnosis of CCB Shandong Branch's intermediate business products, business process, effects of administration and existed problem etc., I elaborate the internal and external environment and strength and weakness of CCB Shandong Branch's intermediate business in SWOT method. As a result, I demonstrate and propose the tactic and specific scheme of the development of CCB Shandong Branch's intermediate business.As a result of analysis and demonstration, we recognize the importance and strategic position of intermediate business in contemporary bank industry further. Thereby our senses of responsibility and crisis are heightened. The most pressing matters of the moment for CCB Shandong Branch to develop intermediate business are as follows: (1) raise awareness of intermediate business and put all kinds of strength together. Make all staff understand that intermediate business is the key factor to raise profit and enhance core competitiveness. It matters the rise and decline, success and failure of CCB Shandong Branch. Developing intermediate business is the responsibility of every personnel. The sound atmosphere of the development of intermediate business should be built soon. (2) make plans carefully, clarify duties, carry out seriously, and promote development. (3) provide systematic safeguard through establishing motivation and restraint mechanism. (4) Technology weakness and talent shortage are "pliable ribs". So policy should be sloped, the input of technology and talent should be enhanced to provide sound conditions for the development of intermediate business. (5) While traditional businesses are strengthened, intermediate business innovation should be carried out in an active way. That's the focus of CCB Shandong Branch's operation and competition nowadays.I believe that as long as CCB Shandong Branch faced the market, transformed its mechanism, had its feet planted on solid ground, served its customers initiatively, it must be able to start out its own features and brands, win in the market, achieve historic success.