Research On The Development Of Intermediary Business Of Bank Of Ningbo

With the continuous expansion of asset scale, the number of financial institutions continue to rise, resulting in the situation of bank industry of fierce competition, the bank had to be another way, therefore, the banking intermediary business emerge as the times require. In the face of the bank intermediary business, China is still in the relatively backward status, and a far cry from the developed countries. Along with our country to the international economic platform, for the banking industry to fully understand their own research, most of our banks are facing the management of assets and liabilities are not up to the requirements, and the intermediary services, just to make up for this defect, intermediate business as the form of income, bring us abundant capital operation. The Bank of Ningbo in the management idea, the quality of the scale benefit while emphasizing the importance of coordinated development, is a model of intermediate business of commercial banks to carry out, but the bank still one-sided pursuit of scale, the pursuit of profit, the lack of capital constraint mechanism, not around the capital gains rate of the core. Therefore, in the context of the current era, the intermediary business of commercial banks management analysis, pointed out the shortcomings, and put forward the optimization measures for commercial banks to the Internet age, the healthy and stable operation, has its own advantages in competition has important significance. Therefore, the research of this problem has certain application value.In this paper, taking the basic methods of theoretical research and case studies combining Problems and Solutions for Business Development Bank of Ningbo middle research were discussed. This paper is divided into six chapters in the structure. Where: The first chapter describes the background and significance of thesis topics, mainly for the background of the current development of China’s commercial banks under the middle of the necessity to expand the business description, combined with the current research, the author put forward their own views; second chapter intermediate business of commercial banks were relevant theoretical explanation, the nature of the intermediary business, features, meaning, classification, status and significance launched a description, and by comparison with Western countries commercial banks, and then summed developed business relevant experience and inspiration banking intermediary business development; the third chapter to analyze the current situation of Ningbo Bank of intermediary business development, through access to large amounts of data and analysis of the current status quo in Ningbo bank intermediary business; fourth chapter of Bank of Ningbo Intermediate Business Development SWOT analysis. Through SWOT analysis concluded that Bank of Ningbo Internet better financial development, while Bank of Ningbo residents faced with the opportunity to finance the growth in demand and economic growth in China has entered a new normal, and foreign banks, financial companies Internet impact on traditional banking. Under the new situation of asset management and profitability of Bank of Ningbo formation test; The fifth chapter is based on the above development on the proposed measures to optimize the binding of intermediary business conducted by Bank of Ningbo; sixth chapter describes the study Conclusions and directions for further research.Aiming Business Development Bank of Ningbo in the middle, using the method of analysis, SWOT analysis and case studies carried out in-depth analysis of the advantages and disadvantages of Bank of Ningbo and market environment, Bank of Ningbo Intermediate Business Development found there low degree of product innovation for Internet technology the use of inadequate and lack of professional and technical personnel and other issues. In response to these problems, the paper put forward in the current Bank of Ningbo background, in order to accelerate the development of intermediary business, you must take the following countermeasures, including: changing concepts, improve the management of Internet technology among business level; to build a sound business management platform in the middle of the Internet; sound professional training system, improve the quality of personnel management; the kind of research and development of innovative products to improve the core competitiveness of the banks; strengthen innovation and improve the popularity of the Internet among businesses; play Internet financial advantage.