The Study Of The Intermediate Business Of Our Country’s Commercial Banks

Produced in 1986, intermediary business products are formally recognized by the law in 1995, intermediary business has developed more than 20 years, during this period, the development of the situation changes with the change of policy and the economy.With the progress of the development of economy and financial markets, people are more and stricter to financial services.,market-oriented interest rate reform make spreads narrowing, traditional bank profits income is more and more small, intermediary business become the important measures to the reform of commercial Banks. In this context, this article selects the development of commercial intermediary business in China as the research object, and carefully combed our country commercial bank middle business of the origin-. development and the transformation of the major points, including each phase of the development background, legal regulation, development scale and product categories such as combing analysis, and USES the thinking of economics to analyze each stage, finally on the basis of combing summary, this article put forward the existing problems and the direction of the reform, and the future of our country commercial bank middle business development and put forward policy Suggestions.In combination with history based on the analysis, the author thinks that it should be from three points that Banks, government, subject to reform. Banks should change concepts, strengthen the marketing, set pricing mechanism. The government should be an effective regulator, improve the laws and regulations. For demanders they should perfect the credit system, strengthen the concept of propaganda.