| Intermediary Operation plays a more and more important and remarkable role in the business structure of modern commercial bank, commercial bank management form the intermediary operation, the internationalized management and the capital stock certificate have become the three greatest trends of international financial industry development. In order to adapt the international and native increasingly Vigorous financial market competition environment, improve the synthesizes competition ability, the developing of intermediary operation has become the inevitable but reality choice for our country commercial bank. However the development of our country commercial bank intermediary operation is still in the place of the entry-level stage, compared with western commercial bank we still have a large gap in business species, product layer and manage means, etc. so we must strengthen the innovation of intermediary operation and promote the development of intermediary operation. According to the present condition of commercial bank intermediary operation business and the comparison with western commercial bank in the innovation, It becomes necessary and urgent to do some thorough researched in the innovation of the commercial bank intermediary operation.This paper comprehensively made use of compare and analytical method, chart analysis method and qualitative and quantitative analysis method etc, introduced intermediary operation and innovation and related theories, elaborated the importance and risk to our country commercial bank develop intermediary operation, analyzed the present condition of our country commercial bank intermediary operation management, through the comparison with western commercial bank we found the gap with them. I put forward some related advice to the innovation of the intermediary operation on the foundation of the western commercial bank success.This paper is totally divided into five parts:The first part mainly introduces the background and meaning of this paper, analyzed the present research condition.The second part analyzed the importance of the development of intermediary operation to our country commercial bank and the risk that will bring. The third part introduced the present development condition of our commercial bank intermediary operation from the species, income aspect. The fourth part made a comparison between our country commercial bank and western innovation circumstance of intermediary operation the commercial bank from the following four aspects:innovation surrounding, innovation product, develop mechanism of new product and innovation product price mechanism. Among them these parts analyzed product development of the intermediary operation.The fifth part puts forward the principle and concrete measure also put forward the new product develop process of our country commercial bank through the using of the successful experience of western country commercial bank. |
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