The Research On The Development Of Intermediary Business In Our Large-scaled Commercial Banks

The large-scale commercial banks have made great developments since the reformand open to the outside, along with the rapid economic development. However, with thecontinuous changes in the inside and outside environment, our large-scale commercialbanks, which live on the traditional deposit and lending business, cannot survive from themore and more competitive financial markets. Our large-scale commercial banks has beenpushed to develop the low cost and low risk business under the background of the interestrate liberation.Thankfully, our large-scale commercial banks has made great improvements in theintermediate business. Compared to the western banks, whether in quantities or qualities,the difference of the development in the intermediate business between the domestic andoversea banks has been obvious. Considering we are on the process of the interest rateliberation, we can learn something from the oversea banks while they have been in the ageof interest rate liberation.This essay introduce the related theories of developing the intermediate business like“super money supply theory”,“risk management theory”,“financial liberalization theory”.Secondly it discusses the present situation of the development of the intermediate business;Thirdly, it analyses the existed problems along with the development of the intermediatebusiness; Moreover, we analyze the whole development process of the western banks andmake some conclusions which we can refer to. Lastly, we propose some advices which canbe useful to the development of the intermediate business in our large-scale banks.