Research On Intermediary Business Innovation And Risk Prevention Of China’s Commercial Banks

With interest rate liberalization and financial deregulation, the narrowing interest spread has been a huge challenge, commercial banks continue to introduce innovative non interest income based intermediary business, in order to cope with the huge pressure of survival, the intermediary business has become an important part of the core competitiveness of commercial banks.In this paper, we analyze the development status of intermediate business in China. Based on the analysis of the existing problems, the paper analyzes the existing problems and the development of commercial banks in China. The paper compares the development of advanced commercial banks with the development experience of the United States.Through the analysis of the development of intermediate business in our country, the innovation of intermediate business of commercial banks in China has been improved with the development of the whole financial market. However, compared with the developed countries, our country still has many problems in innovation and risk prevention. That is, the innovation and risk prevention of the development of the commercial banks is the trend of the domestic and international economy to adapt to the interest rate market, financial internationalization and economic liberalization. And from the scientific and technological improvement, the introduction of talent gives advice.