Research Of Intermediary Business In Small And Medium-sized Banks

In China, in recent years new force in small and medium-sized joint-stock commercial banks such as China Merchants Bank, Minsheng Bank became the bank industry for its excellent financial products, the characteristics of the service, catch up with the big four commercial banks in China from the momentum, but the intermediate business of our country commercial bank middle business development and small and medium-sized joint-stock commercial bank’s market share, the intermediate business development of small and medium commercial banks still have many places to be improved. This research main purpose is compared through the analysis of small and medium-sized joint-stock commercial banks and state-owned commercial banks and foreign banks and domestic development of intermediate business, intermediate business necessity proposed emphatically the existent problems and developing trend of the development of intermediate business of Chinese small and medium-sized joint-stock commercial banks, combined with the actual situation of small and medium-sized joint-stock banks put forward the strategic ideas on the future development of the intermediate business.Construction of commercial bank income structure reasonable, not only can increase the risk of the bank’s ability to resist, can largely improve the comprehensive competition ability and sustainable development ability of the banks, and the intermediate business development and the widespread application, also greatly changed the traditional way of bank profitability and business scope, the overall development level has been greatly ascension. Therefore, the development of intermediary business of domestic small and medium-sized banks, studies the existing problems and the solving strategy for the status and business level, comprehensive survey our country small and medium-sized banks, and adjust the income structure, plays an important role in promoting, at the same time, to the small and medium-sized banks intermediate business positioning for the future, and provide a theoretical reference.First, in the part of introduction introduces the research background, research purpose and research significance, research progress of the intermediate business of commercial banks at home and abroad, finally introduced the research ideas and research methods. The theoretical basis and characteristics of the intermediate business of small and medium-sized banks in chapter second. The third chapter introduces the status quo of the development of intermediate business of small and medium sized banks and analyzes the development of intermediate business of small and medium-sized banks problems. The fourth chapter discusses the analysis and evaluation of intermediate business environment analysis and internal factors of small and medium-sized banks, including the analysis and evaluation of the overall environment, analysis and evaluation of environmental industry and the development of small and medium-sized banks intermediate business conditions. The fifth chapter combined with the specific case of XX bank, discuss the intermediate business development of XX bank, and against the existence of the intermediate business development problems, put forward the corresponding countermeasures.