The Study Of Development For Intermediate Banking Business In China Construction Bank

Intermediate banking business is established by a commercial bank on the basis of its traditional asset and credit business. The intermediate banking business becomes one of the most important incomes of a commercial bank and besides asset and credit business, it is also one of the components of the three pillars of business of a modern commercial bank. Along with a change in social and economical environment, social demand for bank has changed from single fund to several functions. For this reason, intermediate business in China construction bank expanded rapidly. Starting with the basic concept of intermediary business, this thesis analysis the situation and environment of the state owned commercial banks' intermediate business. Through the environment analysis and forecast around China construction bank, summarizes the outstanding problems and their reasons when state owned banks develop their intermediate business, such as business range limited, service level lower, management system not sturdy and specialized staffs lacked. By comparing the development of intermediate business between Chinese and foreign commercial banks, it promulgate the inadequate of intermediate business of Chinese commercial banks in income level, operating scope, business varieties and service means. On this basis, this thesis gives relative suggestions on expanding intermediate business practices for the China Construction Bank in recent years, such as strengthening comprehensive management, carrying out comprehensive marketing, defining marketing position and enlarging creative ability, carrying out proper marketing strategies and founding system of risk controlling. At last, according to the result of evaluation, the efficiency approach of the long time and steady development of the intermediate business is obtained.