Strategy Research For Intermediate Business Development Of Commercial Banks

Since the1980s, as the financial markets and information technology continuesto progress, our traditional banking mainly spread income as operating incomemain-profit, and the gradual loss of competitive advantage, due to the continuousdevelopment of information technology, financial markets magnify the traditionalbanking industry is facing a crisis of survival. Survive the crisis has forced Westerncommercial banks for business development, to find new profit generating point, theuse of long-established information resources, capital and technological advantages,intermediary business innovation, the use of the intermediary business revenuegrowth to make up for traditional bank deposit and loan business downturn, theintermediate business of reform and innovation, to become international bankingtrends.In this paper, the use of logical analysis and empirical analysis researchmethods to explore and examine, from the theory and practice of state-ownedcommercial banks intermediate business, and provide a theoretical basis andrecommendations for its development. Firstly, talk about the crisis faced by thestate-owned commercial banks, to study the historical background of the Westerncommercial banks intermediate business transformation and change; followed byanalysis of state-owned commercial banks intermediate business development,indicate the effect of the inherent power of innovation of state-owned commercialbanks intermediate business transformation, empirical analysis of the macro andmicro factors affect the business income of the state-owned commercial banksintermediate business. Secondly, discusses innovation-led, state-owned commercialbanks intermediate business development strategies, including intermediate businessinnovation, product design, product price and service mechanism; finally, sum up the existence of the risk of the intermediary business. For example, Western commercialbanks intermediate business risk management, including the U.S. sub-prime mortgagecrisis exposed intermediate business of commercial banks risk management issues,internal and external regulatory issues, risk management strategy of the intermediatebusiness transformation of the state-owned commercial banks.In this paper, according to the above problems, to innovate from the followingaspects: first, from a new perspective intermediate business of commercial banks, theanalysis pointed out that the crisis faced by the traditional banking, while the externalenvironment faced by the state-owned commercial banks changes promote itstransition through the intermediary business to create more space for development.Second, from the system development background, analysis of the state-ownedcommercial banks, assume different functions at different stages of development andpositioning, and the gradual transformation of the historical inevitability. Third, theanalysis of the problems faced by the impact of state-owned commercial banksintermediate business to expand, the comparative analysis of commercial banksdifferent factors affect the intermediate business income, real propulsion theintermediate business transformation of state-owned commercial banks. Fourth, theuse of innovative theoretical analysis of the inherent power of state-ownedcommercial banks intermediate business innovation, according to the special natureof the reform of state-owned commercial bank intermediary business, theintermediate business innovation in the reform of state-owned commercial banks, thechanges of the external environment, due to multi-on behalf of the innovation process,to explore the motives of the state-owned commercial bank intermediary businessinnovation, and innovative leadership, the intermediate business transformationstrategy.