The Competitive Strategy Analysis On Guiyang Comerical Bank's Intermediate Business

With the protection of the banking industry over the past period, the foreign-funded banks to enter China's financial markets at an accelerated pace, with Chinese-funded banks competition and cooperation fully rolled out. China's commercial banks depending on the traditional deposit and lending business, has been difficult to compete with foreign banks, we must open up a new source of profits. On the other hand, as China's capital market is developing rapidly, as well as international financial market interest rates brought about by the development of market trends means that the traditional deposit and lending business space further squeezed profit, revenue began to shrink spreads. As faced with internal and external problems, the commercial banks to actively seek the benefits of new growth points, vigorously developing intermediate business as its important initiatives.Base on this background papers choose typical city commercial bank - Commercial Bank of GuiYang's intermediary business development as a research background, and from all kinds of documents obtained through a great deal of information as a basis for further study and the practical work with the author, intermediate business of commercial banks development of the strategic ways to explore.Firstly, the paper outlines the concept of intermediary business, characteristics, classification and the development of China's commercial banks intermediate business significance. On this basis, has guided the development of intermediate services theoretical background, and from the two aspects of the internal and external analysis of the commercial banking business development among the driving factors. Through comparative analysis of domestic and international business development, summed up some of China's commercial banks for the development of intermediate services from the international experience.The papers intermediary business development of internal and external factors of the CBGY's environment, pointing out that the intermediate business of the Commercial Bank of GuiYang increased income, reduce risk and enhance competitiveness of the area has significant strategic value, based on this, recognition - the Business and developing intermediate business, and superior and inferior, and established the development of the basic principles of intermediate business and strategic objectives.Papers from four strategies of developing intermediary business, such as minded strategy ,people strategy , product strategy and institutional strategy. After that ,papers also forms five related tactics.For example,changes in business concepts, reconstruction management mechanisms;make rational development planning ,clarify product pricing mechanism; innovative product development model, and Strengthen the marketing efforts; sound business assessment mechanisms, open the talent development projects and strengthening of technical support, strengthen the monitoring of security risk.Papers intended to promote China's commercial banks intermediary business development, and expand Chinese commercial banks intermediary business profitable channels, enhance the Chinese commercial banks intermediary business competitiveness.