The Development Of Intermediate Business Of Commercial Banks In ZhangZhou

The so-called intermediate business refers to the commercial bank in assets and liabilities operation basis, use technology, information, network of agencies,funds ,credibility,and other advantages,do not use or use fewer bank's funds,with intermediaries and agents,to deal with receipt and payment,counselling,agents,security, leasing and other commissions for clients, and take some operating charges for providing various financial services.In abroad,the intermediate business of the commercial bank became fairly mature after 20 years of the development.With foreign commercial banks profit model is different, domestic commercial banks' intermediate business also has just started and their operating profit still more dependent on deposits and loans. However, with the pressure increases of profit and the emergence of profit margin,domestic commercial banks will pay more attention to it.I think that domestic commercial banks transition period behind the WTO is the key period when we will meet competition of foreign banks by raising ourselves capability.And the competition of future banking is the competition of the new developing business, especially the competition of the intermediate business.So, the commercial bank of our country should catch the opportunity and develop the intermediate business in a more cost-effective manner , strengthen the international competitiveness.This text proceed from actual conditions of the commercial banks in ZhangZhou area, combine ZhangZhou economic characteristic of city, have analyzed questions appeared in development intermediate business of commercial banks from different views, and analyze to it , propose some countermeasures finally.The full text is divided into chapter four : Chapter 1 introduces the current situation of the domestic and international intermediate business of commercial banks and problems. Chapter 2 introduces the situation of the intermediate business andproblems existed in development intermediate business of every commercial bank in ZhangZhou area and analyzes this. Chapter 3 recommend commercial banks of ZhangZhou how to evade and dissolve the risk management in the intermediate business. Chapter 4 puts forward some countermeasures of developing the intermediate business and thinking of development.