Analyses On Intermediary Business Management Of Jilin Province Agricultural Bank Business Department

In the time that economy will be globalism and finance will be internationalized, with our country having joined WTO, our government will cancel the restrain about the entering and business managing to foreign capitals bank gradually, foreign commercial bank will establish more branches in China , seize the Chinese financial market, foreign commercial bank advanced management theory , outstanding management , advanced financial product and technology will introduce the commercial bank of our country at the same time. Commercial bank of our country will face both opportunity and the challenge, undoubtedly the commercial bank of our country will face more fierce competition in the future. 1. The important meaning of commercial bank developing intermediary business. Commercial bank intermediary business is a important sign of modern commercial bank, and is one of three major pillar business of commercial bank like the assets, debt business, the development level of the intermediary business is the important standard of weighing the comprehensive strength of commercial bank. The developed country abroad, the intermediary business income is a main income of the bank, generally accounts for 40%--50% of the gross income. The time is relatively short when the intermediary business of commercial bank of our country is developed, also there is greater disparity of development of intermediary business with developed country commercial bank in such aspects as variety of business , scale , level and range, intermediary business income relatively lower in proportion to account for the gross income, generally about 10%. To develop intermediary business have become anything extremely urgent of state-run commercial bank of our country at present, the intermediary business will become the new point of growth of profit of state-run commercial bank, it is the commercial bank that strengthens the competitive power, fight for the key point of market share. Intermediary business is the new demand which is get out of by modern market economic development to commercial bank service, to develop the intermediary business will help commercial bank to improve the ability of profit-making; Help to disperse the business risk of the commercial bank; Help to promote the traditional business of the commercial bank; Help to promote the public image of the commercial bank; Help to widen the business field of the commercial bank; Help to optimize the resource distribution of the commercial bank. 2. The problem about intermediary business management of Jilin Province agricultural bank business department. The intermediary business development level of Jilin Province agricultural bank business department is still relatively low at present, it is still not perfect that the intermediary business deal in. First, the intermediary business is monotonous in variety, the level is not higher, scientific and technological content is too low, and main business is the account settlement and agency business. Second, market orientation is indeterminate, there are less gold customers. Third, the intermediary business management lacks the normal operation sequence and unite management standard. Fourth, intermediary business innovation ability relatively lower, can't meet customer's requirements for financial service. Fifth, the marketing not paying attention to the intermediary business works, more questions exist in intermediary business management such as the products , the price fixing, the distribution channel , the promoting ,etc.. Sixth, the intermediary business serve inferior in quality, working efficiency is relatively low. 3. The reason of the problem about intermediary business management of Jilin Province agricultural bank business department. Through the analysis about intermediary business operation of Jilin Province agricultural bank business department, find there are reasons in many aspects about these issues in intermediary business operation. First, because the economic development level of our country is relatively low, th...