Financial Disintermediation And The Coping Strategies Of China’s Commercial Banks

Financial disintermediation refers to a phenomenon that funds of surplus side and deficit side to bypass financial intermediaries deal directly, which first appeared in the United States in the1960s.With the constant deepening of China’s economic reform, the continuous development of financial markets, financial disintermediation in the development of our country will gradually deepen, which is bound will be China’s commercial banking business a great challenge. For this reason, in-depth analysis of the generation mechanism and the development of financial disintermediation in China, and the effective coping strategies has great practical significance. The basis of theoretical studies of the theory of financial intermediation, the use of a variety of statistical analysis methods, respectively, from the background and causes of financial disintermediation, current status and trends, the impact on the operation of China’s commercial banks, five of China’s financial disintermediation phenomenon, combined with the international financial markets, financial disintermediation, the response of the international commercial banks and the revelation of the innovation strategies of China’s commercial banks to respond to financial disintermediation. Strive to some guiding significance to the proposal through a comprehensive analysis of financial disintermediation, the rapid development of China’s banking industry.