Study On The Competitiveness Of Intermediary Business Of National Joint-stock Commercial Banks In China

The intermediary business of commercial banks and asset business, liability business together constitute the three pillar business of commercial bank. From the point of view of the international commercial banks, the intermediary business income has become an important part of the source of income of commercial banks. At present, China commercial banks’ intermediary business development time is not long, is developing fast, but has a big gap with the international advanced level. However, under the background of continuously push forward the process of China’s market-oriented interest rate, financial disintermediation trend is increasingly clear, the banking industry competition is fierce day by day, and the new demand for financial services continue to emerge, the commercial bank of our country can no longer rely on the traditional ceiling deposit lending business to obtain stable and considerable profit, only to break the original mode of operation to seek new profit growth point to in incentive competition occupy the initiative. And intermediary business because of its own capital takes up less, high income and low cost, low risk, etc, as the commercial bank more and more attention.This article first on the issue of commercial bank intermediary business development at home and abroad related research literature review and summarize, understand the research status quo of domestic and foreign scholars in this area, provide direction for the research of this paper, and the business concept and classification of the intermediary business, at the same time to analyze the necessity of developing intermediate business of commercial bank.. Then, from the micro and macro point of view, the advantages of promoting the competitiveness of the national joint-stock commercial banks to improve the competitiveness of the advantages and disadvantages of the two factors to improve the competitiveness of the overall analysis. Thirdly, from the scale, efficiency, potential of intermediary business development and structure of the four aspects of China’s national joint-stock commercial banks and comparing large state-owned commercial bank intermediary business development present situation research, in order to our country current situation of the competitiveness of the national joint-stock commercial bank intermediary business descriptive statistical analysis. Finally, through the construction of index system for evaluation of intermediary business competitiveness, the competitiveness level by using principal component analysis to empirical research on the development of intermediary business of national joint-stock commercial banks in china. And, on the basis of the above study and put forward a series of feasible policy suggestions for the development of the intermediary business guide of national joint-stock commercial banks in china.