The Study Of The Rural Commercial Bank How To Development The Intermediary Business

With the increasingly intense financial market competition, the bank loan business spreads are more and more narrowed. The intermediary business with its characteristic of risk is low, do not take up or less take fund,and profit higher has become the world commercial Banks’s an important part of income.The traditional deposit, the loan business and the intermediary business are three pillar businesses accepted by modern commercial bank. Since 1980s, the western commercial Banks to vigorously develop intermediary business.Both the intermediary business volume and profit contribution ratio are beyond the traditional GRC. Intermediary business has become banking new profit growth point.Domestic banking gradually realize the importance of the development of the intermediate businesses. The four major state-owned Banks and some advanced the joint-stock Banks are began to transforme their strategic to develop the intermediary business. Rural commercial bank development strategy is completely different in property rights, corporate governance and competitive object from the predecessor rural credit cooperatives.It’s worth exploring of how the rural commercial bank to develop the intermediary business in the fierce competition.Based on the SWOT analysis, this paper use stematic and comprehensive analysis to introduce China’s rural commercial bank’s the intermediary business development in strengths, weaknesses, opportunities and threats. This paper is divided into six parts.The first part of this paper introduce the background,significance and the literature review.Emphasized the urgency of the rural commercial bank to develope the intermediary business.The second section describes the definition of intermediary busines sand classification, then introduces the theory of the intermediary business. literature review. The intermediary business present situation at home and abroad and as well as the two comparison.The third section describes the definition of rural commercial bank, the necessity of rural credit cooperatives reform for rural commercial bank and restructuring the superiority analysis. Also introduces the present rural commercial bank intermediary business development situation. The last we use empirical methods to analysis Our country rural commercial bank intermediary business income how to influence the general income.The fourth part import the SWOT analysis.Analysis our country rural commercial bank intermediary business development in advantages,weaknesses, opportunities, threats.The fifth part based on the SWOT analysis, it is concluded that the rural commercial bank development of the intermediary business overall strategy and market positioning.The sixth part puts forward the development of the intermediate business of rural commercial bank short-term, medium-term and long-term development strategy.This paper has the following innovative:the topic is new, using empirical analysis method and the SWOT analysis, put forward Suggestions for Short-term,medium-term and long-term.Hope the advice for rural commercial bank to develope the intermediate business have some use.