The Change Of Chinese Residents' Financial Assets Structure And The Development Of Commercial Banks' Intermediate Business

In recent years, along with our country economy high speed development, resident's income level improve gradually, under this background, resident's financial assets structure has also had the remarkable change. In our country's social financial property, the resident's financial assets holds the quite great proportion, the household savings is the most main mode of financing of commercial bank. Resident's financial assets structure change and the effect have arrived at the commercial bank business, especially the tradition liabilities business. The commercial bank has the necessity to carry on the service adjustment, to respond to this gigantic challenge. Face new market economy circumstances, the commercial bank depends on tradition service way and means to be able to not satisfy society's need , require that the commercial bank develops to diversifying direction already. And the foundation developing is the business carrying out the intermediate business.This article takes the resident's financial assets as object of study, has highlighted resident's investor role, has had important significance in terms of theory. Looks on the architectural change of resident's financial assets as a foothold, study the trend and direction that our country commercial bank business develops and bring forward a solution specifically for problems among them. This article mainly divides into four parts:The first part mainly introduced as the introduction of this article produces background and theory origin. Including the research present situation of our country resident's financial assets and the theory basis of financial assets research——the property choice theory and so on.The second part has analyzed the current situation of our country resident's financial assets architectural. First has carried on the theory limits to the concept of resident's financial assets structure. Then selective analysis the present situation of our country's resident financial assets structure, has adopt the data analysis method. Has obtained our country resident's financial asset structure' present situation and the change tendency. Resident's financial assets total quantity increases by ceaselessly; resident's savings deposit total quantity increases by ceaselessly, the savings deposit occupies the proportion comes down ceaselessly, the fixed deposit occupies proportion comes down, the current deposit occupies the proportion rise; the insurance rises unceasingly; the cash occupies the proportion maintains continuously stably; the proportion of stock and bond changes increases by ceaselessly. Moreover, the resident's speculative motive has strengthened.The third part introduces elementary knowledge, the development present situation and existence question of commercial bank intermediate business. Along with the development of national economy, the resident customer brings forward the new request unceasingly to commercial bank intermediate business, urges the commercial bank to take the development of intermediate business seriously. If the commercial bank wants the increase of new profit income has to develop intermediate business ceaselessly in future. In addition, this article had also pointed out the exists question in the process of commercial bank intermediate business developing, for example, the intermediate business product lacks the explicit market localization question, and"the fixed price difficult position " of intermediate business service. The forth part analyses the change effect to commercial bank intermediate business on station angle changing in resident's financial assets structure. The commercial bank ought to conform to the trend that resident's financial assets structure changes, from seeking the new profit space, develops the new financial product, provides the more specialized richer more perfect financial service for the customer and so on several aspects to obtain, develops own intermediate business service. Through analyzes we cloud also saw the driving force of commercial bank intermediate business development mainly comes from the resident's financial assets' unceasing accumulation, as well as expense custom change which brings by these. Therefore, the commercial bank intermediate business future development direction will mainly concentrate in manage finance personally, agency business and so on.