Research On The Development Of Intermediary Business In Our Commercial Banks

The financial industry of china will be opening to the outside world comprehensively in 2006, local commercial bank will face the competition of foreign banks which provide all-around service and have capital and managing advantage. The biggest impact brought by foreign bank will be intermediary business. Foreign banks provide diverse intermediary business services which could service, contact and stabilize the customers, and then promote the development of traditional asset-liability business, and cause the massive fine customers to shift from native bank to foreign bank. Intermediary business have the characters of the less cost, the high income , the small risk, the various services , and bring the huge profit for the foreign banks.The competition of intermediary business of the commercial bank is becoming higher level competition. In recent years, Intermediary business of foreign banks have great development, not only the business scopes have been expanding unceasingly, the service types increase in-double,and also the business volume rise quickly. The non-interest business is becoming one of the important sources of the benefit of commercial banks. Intermediary business of our commercial banks is still in a primary stage, regardless of in the business scope, business type and business volume, intermediary business of our commercial banks have great gap with the foreign banks. Therefore, in order to face the foreign bank comprehensive competition,our commercial banks should speed up intermediary business .This paper is made of four parts. The first part introduce the concept, the classification and the characters of intermediary business of commercial bank; The second part review the development of intermediary business of commercial banks of the developed countries, analyze the reasons of the development of intermediary business of foreign banks;At the same time, analyze existing conditions and restricting factors of intermediary business of our commercial banks,find out the problems of intermediary business of our commercial banks and make a comparison between western and native intermediary business. The third part is the advice on how to develop the intermediary business of our commercial banks,and the major measures and tactics should be taken through macro and micro aspects. And for the fourth part analyze case , take the intermediary business of Industrial and Commercial Bank of China (ICBC) as an example,make an analogy between ICBC and foreign...