Research On The Development Strategies Of Intermediary Business In Agriculture Bank Of China LF Branch

With the improvement of the financial system in our country, to speed up the financial market opening to the outside world, financial disintermediation continues to intensify, deposit insurance system, into the normal development of private bank, accelerate the interest rate market reform, spreads further cuts, third-party payment platform, a strong impact, the Internet finance rapid rise guide based on income generated from the traditional business model is unsustainable, if we blindly rely on assets business and liabilities business to boost the profitability of commercial Banks is tough, not desirable.If you want out of this predicament, our country commercial bank must find new profit growth point, full development, low operating cost, low risk, high income in the middle of the business as a necessary choice of current commercial Banks.Based on ABC LF branch as the object of study, under the theory background of the development of intermediary business, by definition, types and significance of bank intermediary business as the theoretical basis, analyzed the current status of domestic commercial bank middle business development, proposed the domestic commercial Banks in the middle business development problems that exist in the process.So as to quote to ABC LF branch intermediary business type, organization structure, performance, the recent development status of statistical analysis and research,ABC LF branch on several problems existing in the development of intermediary business, such as intermediate business income accounted for low, product quantity is little, low level, the lack of core competitiveness for the advantages of products, integrated marketing ability is not high, value creation is not strong and so on.And use the SWOT analysis of its internal and external environmental factors, and the advantages and disadvantages in the competition and threats.On the basis of analyzing the root cause and solve problems, and actively develop the accord with the characteristics of oneself circumstance by LF branch of agricultural bank middle business development strategy, proposed the establishment is the important strategic target of the transformation of intermediary business development;For intermediary business product level is low, the serious homogeneity phenomenon, put forward the new business development point;According to the market marketing concept from customer relationship, brand building, electronic marketing three aspects put forward the corresponding countermeasures, in the hope of intermediate business products can effectively promote;From the aspects of security system put forward the scientific management, perfect the mechanism of incentive and constraint to make the development of intermediary business long-term good health;Share the same from product, marketing and technical support, put forward the decisive key is talented person's raise and the construction of high-quality team.Development of intermediary business is ABC LF branch deepen the management transformation, around the "capital saving, value creation" requirements, optimize the structure of business and income, increase the value of creativity as well as the important choice and support for the construction area of mainstream Banks.To gradually shorten the gap with the system, put forward the development of intermediate business as a long-term strategic objective organization carried out, has a positive practical significance.