Research On The Development Of Intermediary Business Of Commercial Banks In China

The intermediary business is that a commercial bank does not need to occupy the capital, or less use of its own funds, but use their own technology, information, and other advantages, to provide customer agent, payment, security and other financial services for clients, in order to obtain the service income.Nowadays the traditional asset business competition is becoming increasingly fierce and profit is slowing down In this context, the development of the intermediate business means commercial banks to grasp the direction of future development,and dig the inevitable choice of the future growth potential.The Commercial Bank of our country must vigorously develop intermediate business. This appointment is based on the following several aspects:banking competition; the marketization of interest rate; financial disintermediation; Basel accord regulatory requirements; reduce the increase in customer demand and business risk. Then this paper analyses the current situation of intermediate business.first, this paper analyzes the present condition of the intermediate business from the income angle.It mainly is carries on the concrete analysis from the total income and income structure. Although in the annual report of listed banks has the gap for the statistics of the intermediate business, but can still find something through data of16sample banks annual report. Firstly,It is analyzed from the total income of China’s commercial banks.Secondly,it is distributed the16listed commercial banks into state-owned commercial banks, joint-stock commercial banks and city commercial banks,and it is analyzed for each category. Thirdly,it is analysed each kind of product of the intermediate business.The second angle of the intermediate business development status quo is from the efficiency, through comprehensive analysis of efficiency and pure technical efficiency. Efficiency reflects the competitiveness of commercial banks. If the efficiency of commercial banks is relatively high, suggesting that the same input can get more output, or the same output with fewer inputs. After the analysis of the present situation, some problems in the process of the development of intermediate business can be found.The problem is the insufficiency of the product innovation ability, the serious homogenization; operating concepts need to be changed, the lack of standardized management; the lack of intermediate business professionals; risk management laws and regulations lag and intermediate business neglected etc. In order tosolve existing problems,the author make suggestions respectively from the theoretical level, organization level, business level and system level.According the analysis of the current situation of intermediate business, this paper can not only improve the intermediate business income angle, by the specific and detailed analysis from the angle of income and income structure, system, but also innovative introduction of management efficiency evaluation perspective, expand the analysis perspective. This paper has made the beneficial attempt about the analysis of the management level of intermediate business.