As the origin and foundation of the commercial bank, intermediary business is the core business through coin identity and exchanging, storing during the early stage of the commercial bank's development. When the money-exchanging businessman became the commercial banker which regard asset and liability business as the core business, intermediary business, the core business at one time, changed to sideline occupation. Although it always exists, it was actually unimportant. In the later period 20th's, there was a intensely competition between commercial banks, and when each commercial bank maintained its asset and liability business, at the same time, they began to attach importance to intermediary business being neglected, and run it in an innovative way. After China entry into WTO, foreign banks speed up their pace to enter China's financial market to compete and carry through an all-round cooperation with China banks. Commercial banks in China now have many difficulties to compete with foreign banks only depending on traditional deposit and loan business, so they have to develop new profit sources. In another side, with the development of China's capital market and the trend of market-directed interest rate influenced by the international financial market, it made our profits of asset and liability business declined. Faced to the domestic trouble and foreign invasion, our commercial banks actively seek new profit growth pole and develop intermediary business greatly to become their important measure. In the background of the economic circumstance, the paper gathered mass data from various literatures as its investigation materials. Comparing with foreign intermediary business, it attempts to exposit the development pattern and profit way of the intermediary business in our country. Moreover it deeply investigates the innovation mode and assortments to promote the development of intermediary business in China, and extends its profit direction. The paper makes innovation listed as three points: (1)The paper gathered mass financial data of the 13 commercial banks in the latest five years in china to expound the intermediary business development in China. (2)The paper contains lots of charts and illustrations to prove the point of view. (3)The paper deeply investigates the innovative field of the intermediary business and points out five prospective direction in the future. The paper has four chapters to discuss the development and innovation of intermediary business in China commercial banks. In the paper I not only cite some points of view of experts in the field of intermediary business, but also use a mass of data to demonstrate my thought. The first chapter mainly introduces the background of selection of subject and writing purpose, besides, it also has a general introduction to the literature in intermediary business. In the second chapter, I describe the concept, quality and function of intermediary business. I conclude the qualities based on the point "intermediary business is not or not direct as the credit role to run the business". So I induced the other five qualities: (1) Not or not direct uses the bank's founds. (2) Not or not direct uses the customer's funds. (3) Intermediary business is an entrust business not a self-support business. (4) Receiving commission as its profit. (5) High profit, low risk and stable income. The third one has a deeply analysis of the present situation of intermediary business in China. In this chapter, I quote a large number of data from Chinese Financial Statistic Yearbook in the latest five years to illustrate the 13 commercial banks in China current situation in assortments, income and management. In another side, comparing with foreign banks in acceleration, percentage of income, assortment, fee earning and management circumstance, I point out the existing problems in carrying out intermediary business in China and advance the solution measures. The last chapter mainly expounds the necessities of innovation in intermediary business and the innovati... |