Comparative Analysis Of The Intermediate Business Of Commercial Banks At Home And Abroad

The development of the new economy brings huge imagination and development space to the intermediary business of the commercial banks. As the global financial freedom degree is deepening constantly and the theory of bank reconstruction is widespread using, the intermediary business has become the increase point of the bank profit and one of the bank center businesses. The development degree of the intermediary business has become the development emphasis of the new century banking modernization. To our national commercial banks, on the one hand, must solve some internal problems, and on the other hand, should confront the overall attacks that come from the foreign capital banks after our country entered the WTO. The new outlet just is that we should try our best to develop the intermediary business.This paper analyses the essentiality that our commercial banks develop the intermediary business and points out this is the need that the national commercial banks take progress, is the emphasis that Chinese banks contest with the foreign banks, is the main sources of the bank profit, and is the buffer that our commercial banks adapt the challenges that come from financial service electrification. And the paper narrates the foreign capital banking intermediary business' development situation. Then the paper analyses the situation and problems of Chinese banking intermediary business. For example, they make traditional intermediary business as the chief and the varieties are not completed, the profit contribution level is too low to the commercial banks, the management conception is very outmoded, the way of the market salesmanship is backward, and the management is inattentive, the specialty talents and network technology is not enough. Then the paper compares Chinese commercial banks with the foreign banks from the development background, the cognition to the intermediary business, the management conditions and the timber of the staffs, the business scope and scale, the variety and income level, the way of service, science and technology and so on. According to these comparisons, we find out the factors that restrict our country commercial banks to develop the intermediarybusiness. The paper comes up with some countermeasure that how to develop our country commercial banks' intermediary business. At last, the paper has some conclusions, there are some differences between Chinese commercial banks' intermediary business and foreign capital banks', and it's very important to Chinese commercial banks that try our best to develop the intermediary business.