Intermediary Business Development Strategy Research Of Commercial Banks In China

Since reform and opening up, although our country commercial bank out of thefinancial system in ‘Grand unification epoch’ step by step. But the traditionalmanagement idea is still ingrained. Asset business and liability business is stillrespected as one of the most important business. After entering the21st century,especially after our country’s financial industry comprehensive opening to the outsideworld in2006.The commercial banks faces many challenges. On the one hand,Foreign Banks capture the domestic original commercial bank market share. On theother hand, change in the mode of economic development, The speeding up of thepace in making interest rates more market-based and the financial regulators enhancedsupervision are all caused a huge shock to the savings and loan business ofcommercial banks. Under the circumstances, intermediary business is characterizedby low cost, stable income, got the attention of the commercial banks in China. In theearly1950s, foreign commercial Banks have begun to the development ofintermediary business, and its development in the domestic began from the banksystem reform in1996. Although started late, but intermediary business have alreadyoccupied a place in our commercial banks operating incomes, and making outstandingcontributions to the overall development of commercial banks. Although in recentyears, intermediary business have a good state of development and business incomerising, but there are still many places need to be improved. As a result, through theanalysis of our country commercial bank intermediary business research, improvedmethods of its development, has very important significance.This article mainly research about our country commercial bank intermediarybusiness development strategy, the article main body part is divided into five chapters: Chapter one, introduction part. First introduced the research background of ourcountry commercial bank intermediary business and selected topic significance; thenis the literature review, respectively from two aspects of inside and outside country,related literature theory of intermediary business of commercial bank; finallyintroduced the research ideas, methods and innovation points in this paper.Chapter two, the overview of intermediary business. First of all to define theconcept of intermediary business; Then different classification the intermediarybusiness respectively according to the Basel Committee on Banking Supervision,People’s Bank of China and the risk; finally, the intermediary business characteristicsand the risks involved in the system is introduced for the following theory ofqualitative and quantitative analysis.Chapter three, development situation of our country commercial banksintermediary business development.This chapter has carried on the qualitativeanalysis of commercial bank intermediary business development of our country.Through the graph, table, comparative analysis and so on, a detailed description ofintermediary business in domestic history, the necessity and Development Status wascarried on. At the same time also points out a series of problems existing in thedevelopment process. Prepare for the empirical analysis of the data in the fourthchapter.Chapter four, an empirical analysis of factors affecting intermediate business ofour country commercial banks. This article selects our country commercial banksintermediary business income as well as the influence factors and related data duringbetween2006and2012. The panel data is established for the empirical analysis of thenational commercial bank, State-owned commercial Banks and Joint-stockcommercial Banks. Acomparative study was carried out during the analysis. From theperspective of quantitative, the development and the problems of domesticintermediary business are deeply analyzed.Chapter five, development strategy recommendations of our country commercialbanks intermediary business development. According to the qualitative analysis inChapter three and the empirical analysis results in Chapter four, this chapter puts forward some constructive policy suggestions to promote the development of ourcountry commercial bank intermediary business.