A Study On The Increase Of Intermediary Business In Yangzhou Branch Of Industrial And Commercial Bank Of China

In recent years, the domestic banking industry to flourish, institutions quantity sharp growth, foreign banks also relies on abundant fund strength and advanced management experience into the Chinese market, competition is increasingly fierce. At the same time, domestic regulators to increasingly severe banking regulation, and the development trend of marketization of interest rate and the impact of "financial disintermediation", central Banks will be operating from the emerging field of business assets and liabilities to the intermediary business. However, in the process of development, by their own conditions, market environment and the influence of policy factors, the development of the intermediary business of commercial bank has received the many obstacles. The main purpose of writing this article is based on the current situation of the development of intermediary business of commercial bank in China in recent years, the author engaged in intermediary business in industrial and commercial bank of yangzhou branch experience in management, emphasizes the necessity and inevitability of development of intermediary business, made clear that commercial bank middle business development of the advantages and disadvantages, opportunities and challenges, and through the analysis on the classification of the intermediary business products of intermediary business of commercial Banks’income to provide countermeasures and Suggestions.This research to the industrial and commercial bank of China, yangzhou branch as the research case, analysis of various types of intermediary business products is discussed, on the basis of analysis of the investment Banks, credit card payment by installment, precious metals and so on six classes focus on business, and then from three aspects proposed the industrial and commercial bank of yangzhou branch of the intermediary business income countermeasure.This article main research conclusion is:First, the intermediary business development advantages and disadvantages, opportunities and challenges, but in the long run, the development of the intermediary business of commercial bank the advantages outweigh the disadvantages, opportunities outweigh the challenges. As long as the commercial Banks to grasp the internal and external opportunity, use of advantages, overcomes the disadvantage conditions, overcome challenges, intermediary business to obtain long-term development.Second, settlement and financial agency business is the basis of the commercial bank business, intermediate business of commercial bank is the main source of income, commercial Banks should be based on a "big data" platform, using one of the "Internet+", further innovative products, expand customer, increase the settlement and financial income of the proxy class, accelerate the development of intermediate business transformation. For the settlement financing proxy class business to further expand the customer base, expand the market, to seize the capital market development opportunities, and increasing the penetration of the capital market.Third, intermediary business to achieve long-term development also should strengthen the internal management system construction, is a department of joint marketing, two it is to develop innovative products, three it is to improve marketing ability, four is the perfect incentive mechanism, five is to accelerate the cultivation of talents.