Comparative Studies On Intermediate Business Between Chinese And American Commercial Banks

With smooth development of liberalization and internationalization and integration in financial sector,So that commercial banks in the homogeneity of goods gradually emerges, innovation and expansion capacity of the commercial banks on the traditional spread income gradually weakened, commercial banks face fierce competition, in order to survive, develop and implement new profit growth point of the quest-intermediate business has become a major source of income, to the development of the intermediate business, means the establishment of the new development direction of commercial bank.Less risk to the intermediate business processing the bear, the cost is relatively small, and the profit is higher, the banks of various countries through the development of intermediate business, it obtains higher economic profit based on bear less risk, banks have to follow this effective means, vigorously develop the intermediate business. Compared with the intermediate business of commercial banks between China and foreign countries, intermediate business development started late in our country commercial bank, and the development of intermediate business in western commercial banks is relatively mature, in addition to the individual intermediate business processing process encountered a lot of problem of localization, so as to promote the development of intermediate business of our country, the development experience of foreign commercial banks need to learn, inter Integration of intermediary business development of the commercial banks in the country, and to develop a strategy for development of intermediary business for China’s commercial banks.This paper is based on the development of intermediate business of the United States and China commercial banks, study their respective features, through the comparison of the development of intermediate business of commercial banks in the United States and China, Summarize and discuss the advantages and problems in the development of intermediary business in the Chinese commercial banks, relevant data and recent years of the intermediary business of commercial banks as the powerful support, aiming at the intermediate business of commercial banks in China, learn from the advanced theory, the United States banking methods, and puts forward some effective measures and strategy of some help to our country commercial bank middle business development.