Problems And Countermeasures Of Longjiang Bank 's Intermediary Business Development

Intermediate business not only can not occupy the balance sheet assets and liabilities, but also brings huge non interest income, is China’s city commercial banks to expand the market, to enhance the competitiveness of the main business. With the adjustment of economic structure and the acceleration of market interest rate, if only the focus on the development of the deposit and loan business, not only can not guarantee their own interests, but will not be in many competitors to obtain comparative advantage. How to find and open up new profit growth point, so that the intermediate business to the fore, in the future in the case of the spread of income gradually reduced to a stable and sustainable development, is now facing an important issue of Bank of Longjiang.This requires that the Bank of Longjiang to seize the unique nature of the intermediate business, with its opportunity to create more intermediate business products, so as to increase revenue, making it more scientific and reasonable. But by many conditions, and the current laws and regulations in this area is not perfect, the intermediate business in the actual operation will encounter many difficulties. So this paper puts forward some ideas and countermeasures according to the current situation of the development of the intermediate business of the Bank of Longjiang.This article from the status quo to analysis of intermediate business of Longjiang Bank and begin with the research of intermediate business products,from current situation of intermediate business products subdivision and the middle business of nearly four years of change in order to comprehensively identify the intermediate business of Longjiang Bank existing problem.The city commercial of Longjiang Bank compare with top three city bank through comparative study,I found that the development of intermediate business of Longjiang Bank have on the development of intermediate business is not enough emphasis,low risk and intermediate business income is low and the product homogeneity,lack of intermediary business,technology and professional personnel laws and regulations are not sound restricting the development of intermediate business,intermediate business marketing strategy is not perfect,aiming at the existing problems,put forward to raise awareness,from the corresponding to the middle business importance stable high risk business development of low risk business,increase investment in science and technology and cultivating high-quality personnel,the countermeasure of perfecting the intermediate business management mechanis,establishing and perfect the marketing strategy.