Study On International Businesses Innovation Of The Commercial Bank In China

The intermediate business of commercial banks is not a commercial bank assets business and the table business, but the formation of not interest income business of commercial bank.It is different from traditional assets business and liabilities business with the development of financial globalization, China’s accession to the WTO Chinese financial industry faces the challenge, the domestic commercial banks will face more intense competition in the international financial markets. As China’s market-oriented interest rate reform, huge spreads between deposits and loans gradually reduced, in this trend, forcing commercial banks of China’s must find new profit point, the profit growth of intermediate business is the three pillar businesses of banks. Now, the intermediate business is one of the most important Chinese funded banks and foreign banks compete for. According to statistics, the intermediate business of western commercial banks have developed more than2kinds of, almost contains traditional banking, investment banking, insurance, trust, mutual fund business etc.. Although the rapid development of intermediate business of Chinese commercial banks in recent years, but there are still a big gap compared with the intermediate business of banks in western developed countries, and the problems of the varieties of a single, low technology content, idea is backward, the fees are unreasonable which has greatly restricted the sustainable and stable development of China’s commercial banks. So China’s commercial bank to stable must speed up the innovation of intermediate business, intermediate business to improve the level of development.In this paper, the intermediate business innovation of commercial banks as the research object, first outlined the intermediate business of commercial bank financial innovation theory and the theory of. Secondly, through access to information and survey of commercial banks of the commercial banks in China describes the current status and development of intermediate business problems are put forward. Third,innovation of intermediate business of western commercial banks, through the method of comparison, and find the gap, the western commercial bank middle business innovation and China’s commercial bank middle business innovation problem. Fourth, the internal and external factors of restricting China’s commercial bank middle business innovation. Finally the effective way to summarize and put forward China’s commercial bank intermediate business innovation.