Research On Strategies Of Developing Intermediary Banking Business For Commercial Banks In China

Compared with the developed countries, the ratio of the income of intermediary banking business for commercial banks in China to the gross income is less than 10%. The intermediary banking business in China is a thin field, which has a bright future. Accompanying the financial industry opens to the world, foreign banks is rushing into China, the competition in financial industry is fiercer, and the challenge which the traditional banking activities face is more serious. Under these circumstances, the commercial banks in China have to face competition, extend the sources of profit, and diversify the investments, while developing the intermediary banking business is sometimes a opitimal choice. Therefore, this paper chooses to research on strategies of developing intermediary banking business and risk management for commercial banks in China, and it has some practical significance.To study these questions, this paper uses the methods of comparative study and case study to research the strategies of developing intermediary banking business and risk management for commercial banks in ChinaThis paper first reviews the hypothesis of developing intermediary banking business for commercial banks, verifying why intermediary banking business develops so fast; then summaries the foreign experience in developing intermediary banking business, also pursues a case study on the Scotland bank; and then comments on the environment of developing intermediary banking business for commercial banks in China from a dynamic view, demonstrating the feasibility of developing intermediary banking business in China; finally studies the strategies of developing intermediary banking business and the methods of risk management for commercial banks in China.