The Intermediary Business:the Status Quo, Problems And Countermeasures

Since twenty-first Century, with the global economic and financial integration process speeding up, plenty of foreign banks swarm into China, to seize the banking market. For those domestic commercial banks which still rely on deposit and loan business, and consider interest margin as the main source of income, the competition become more intense. China’s commercial banks have to face not only squeeze from the domestic rivals, but also need to seize the initiative in the competition with foreign commercial banks. In such an environment, only relying on traditional deposit and loan business, will be very difficult to gain advantage in competition, even to keep the original market share. Therefore, the domestic commercial banks began to find and open up new revenue growth points, so develop and innovate the intermediate business has become the first choice for the commercial banks.In recent years, China’s commercial banks intermediate business has developed rapidly, but the contribution rate of income of the Commercial Bank which acquired through intermediate business is still very low, China’s Commercial Banks is still in the primary stage of the development of the intermediate business. But in western developed country, the intermediate business has become one of the most important source of income to commercial banks, some even take on more pencentage than the interest income proportion. Therefore, China’s commercial banks still has a wide development space in the development of the intermediate business.China’s commercial banks need to change the traditional management concept, learn the successful experience of foreign commercial banks, and combine the characteristics of the domestic economic situation with the characters of itself. Then they can innovate the kinds of intermediate business products, expand the intermediate business income, so that not only can optimize the income structure of banks, but also can promote the benefits of environmental industry towards a more rational the direction. But due to the limitation of the operation and implementation of conditions, meanwhile our current laws, regulations on the intermediate business of commercial banks is not perfect, major commercial banks is facing many problems in the development process of the intermediate business. So I choose China Construction Bank as example to do researches for this topic, and raise some sugguestions and countermeasures base on its current situation and problems.