Research Of Postal Savings Bank Of China Shangluo Branch's Intermediary Business Development Strategy

At present, the competition among banks home and abroad goes to intensive increasingly. The commercial bank takes the intermediary business development extremely and cultivates the new profit point of growth by its risk small, the cost low, the income high. As the advancement which deepens along with the postal savings reform, Shangluo postal savings bank was established officially on January 11, 2008. in initial period, face with many difficulties and challenge,. It is essential and urgent to develop intermediary business.Taking Shangluo postal savings bank as the research object . first , this article explains the general theory in intermediary business of commercial bank, especially , analysis on necessity and urgency of developing the intermediary business in our commercial bank, second , it illustrates the developing current situation of Shangluo postal savings bank, analysis main problems existing in the intermediary business development, for example , small -scale business, low-development level and being short of product innovation, next, analysis the environment of intermediary business development by means of contrast and SWOT analyzing methods. Base on above mentioned , it use the experience and tendency of commercial bank intermediary business development, combine with practice, propose the strategy of the intermediary business development. Shangluo postal savings bank should clear about the development mentality, displays superiority fully, overcomes the insufficiency diligently, adopts the effective development strategy at five aspects, market positioning, marketing, product, management and risk controlling. It has certain feasibility..As the research object, city branch of the postal savings bank, it has certain typical and representative. so it has the reference value for intermediary business to other postal savings bank .