Research On The Development Of The Intermediary Business Innovation About The Bank Of Communications

In China's economy after the rapid development which entered the structure transformation and upgrading,the slowdown in the "new normal",accelerating the development of intermediate business in a large extent has become one of the most important ways that our country commercial bank promote business transformation,to maintain sustained profitable growth. At the same time, withing foreign banks continue to enter the China,the development of small and medium-sized joint-stock commercial banks and city commercial banks,the major state-owned commercial banks facing unprecedented pressure and threats,markets and resources of state-owned commercial banks facing massive erosion and competition.Therefore,under the background of internationalization of the RMB and the interest rate market,It is necessary in the course of the development of bank reform path that always adhere to the continue to consolidate and develop the business advantage of traditional bank, actively carry out financial innovation,learn from mature world-class top bank study of developed countries, increase the proportion of intermediate business income in the operating income,rich source of bank revenue,expand the income approach,improve the ability to resist risks,the main source of income for the bank without undue restrictions on lending and deposit interest rate difference.Bank of communications as the main state-owned commercial banks,comprehensive strength although slightly stronger than the general large listed commercial banks,but in terms of the total assets almost accounted for only one-third of the Industrial and Commercial Bank of China,in addition,Network layout is not very comprehensive,less number of employees and other element hindered the rapid development of bank business to some excent,therefore,the Industrial and Commercial Bank of China facing greater operating pressure than other bank.This paper will go through a series of studies,concerning the section analyses and comparative analysis about the situation of the Bank of communications in intermediate business income,and providing some strategies and ideas for innovation.In this paper, the first chapter describe the background including the necessary,the significance, to do some sort on the related theories of financial innovation and the intermediate business innovation theory and intermediate business research status, exploring research problems at present and supplement the discussion,introducing the research content of the article briefly, carring on the research methods using in the study, and making a statement about innovations and deficiencies of the study.The second chapter of this thesis will define the intermediate business income, sorting out the theory of financial innovation,introducing the theory of intermediate business innovation. The third chapter will sort out the intermediate business income number of Bank of communications since its own annual report,the proportion of intermediate business income in the operating income and intermediate business development.By horizontal comparison,finding out the innovation routes and bottlenecks in intermediate business income of bank of communications.The fourth chapter,combined with other data concerning the intermediate business income of other State-owned bank,comparing with the bank of communications,finding out the innovation achievements and deficiency,looking for inspiration from others.The fifth chapter,combined with the first two chapters of the data results and the shortcomings of innovation of the bank of communications,there will make the next research direction at the policy level,management level,the sub-item level and the product innovation level,indicating the direction to the intermediate business income,simultaneously,providing a systematic reference for other innovative development.The sixth chapter,to summarize the content and conclusions of the article.Through this research,on the development of intermediate business of Bank of communications conducted a systematic analysis,to identify its intermediate business paths of innovations,lack of contrast,problems and development direction,of both in financial innovation theory and intermediate business innovation theory and the next practice innovations whether it's the Bank of communications or other commercial bank's intermediate business,it has a significance that can not be ignored.