Construction Bank Shandong Branch Of The Middle Of The Business Development Strategy

The intermediary business of commercial bank is defined as the business which consists of the bank's non-interest incomes but does not take into account of assets and liabilities of the balance sheet of the bank. The intermediary business of commercial bank has been developed for more than 160 years. In the west, intermediary business has been listed solely, composing the so called "three mainstay business" of commercial banks together with assets and liabilities items on their financial report. The intermediary business is becoming one of the main profit resources for commercial banks nowadays. In China, intermediary business of commercial bank is still in its preliminary stage. However, with the fast economy development, it is the inevitable for national commercial bank in China to develop their intermediary business actively and intensively to cope with the fierce competition among banks from both the domestic and overseas.China Construction Bank (CCB) is one of large national commercial banks in China. In the course of operation, deposit, credit and exchange are main content. After 1978, along with a change in social and economical environment, social demand for bank has changed from single need to several functions. For this reason, agency service in CCB is expanding rapidly. With good basis and advantage, in the end of 2005, it has reached nine kinds containing over 100 products.Starting with the basic concept of intermediary business, this thesis analyzes the situation, and environment of intermediary business of national commercial bank. Through the environment analysis and forecast around CCB, summarizes the outstanding problems and their reasons when national commercial banks develop their intermediary business, such as restricted business range, lower service level, distempered management system and lack of specialized staffs. By comparing the development of intermediary business between Chinese and foreign commercial banks, it promulgates the inadequate of intermediary business of Chinese commercial banks in income level, operating scope, business varieties and service means.Moreover, the thesis reviews the course of development of CCB Shandong Branch, summarizes the situation after share-holding system reform of CCB and the importance of the development of intermediary business. Based on the thorough investigation and a...