The Research Of Disintermediation And Strategies Of Commercial Banks

The meaning of disintermediation is that lenders dealing with borrowers directly rather than using a bank's balance sheet. In Recent years, disintermediation appears in our country gradually. The disintermediation will depress the traditional deposit and loan business of commercial banks, descend the interest income proportion and affect the management of commercial banks. It threaten to commercial banks, but also perfect finance structure of our country. Therefore, the research of disintermediation will make sense to the development of banks and the country's economy.See from the domestic and international research, the reason of disintermediation are restricts, IT, company's diversification of lend and residents' idea of finance. For the banks abroad, they reply to the problems mostly by extending management scales, providing comprehensive service, innovating new products and using information technology.This paper believes that commercial banks of our country should focus on customers' require as the foreign banks do when we reply to disintermediation. Then, at the base of the analysis of service profit chain and the theory of customer value, the opinion of this paper is that the banks should improve its internal effect by making a progress in the management of banks' staff and organization, as well as improve its external effect through improving financial innovation, information technique, employee's diathesis, brand image and the cooperation with others.