The Intermediate Business Development Strategy Research Of Bank Of HeBei

Since 1980s, with the rapid development of financial market and information technology, there exists a threat in the traditional profit model which aims at earning interest spreads of deposit and loan.Facing the crisis, western commercial banks take the advantage of fund, technology, talents and intermediary business which features in lower cost, less risks and high yield.With the innovation of intermediary business and diversified service modes, the commercial banks enhance their competitiveness and gain more profit.Therefore, the status of intermediary business improve.On the one hand, the traditional main business of deposit and loan are being challenged that it cannot deal with the fiercer market competence. On the other hand, the product type and business line of the commercial banks inland are still in the primary stage because of the different financial background and economic development level.There exists a huge distance between western commercials banks and commercial banks inland.At first,this article introduces the development cause of the intermediate business of commercial banks.The growth in wealth stimulates the demand of intermediary business product.The banks tend to avoid the government’s regulation which stimulates the intermediate business innovation.People need the product which could reduce the transaction cost and avoid the risk of interest risks, exchange risks, inflation risks, and so on.Then we use American Citibank and European Deutsche Bank as examples of the western commercial Banks in developed countries.Then we find that the intermediate business of western commercial banks feature in wide ranges,high technical content, strong innovation mechanism, perfect laws and regulations related system. Compared with commercial banks in western developed countries,we find some differences in domestic commercial banks such as five state-owned commercial banks.Then we use the bank of Hebei as a case. First of all,we roughly introduce some aspects of Hebei bank, then we analyze some factors that can affect the development of intermediate business of Hebei bank, including branches, the quantity of employee,professional structure of stuff, the degree of employee,the varieties of intermediary business, and the intermediate business income, etc.Compared with domestic city commercial banks in the market,we find some problems in the development of intermediate business of Hebei bank. In next stage,Hebei bank need to think highly of these problems and overcome the limits of itself in the field of intermediate business development.It should take its advantages in some fields and pay attention to the diversification of intermediate business product. Hebei bank should also expand the coverage of intermediate business which related with the capital market insurance market, the trust market and other markets in the new market situation.Only in this way,could Hebei bank grasp the opportunity and succeed in the fierce competition.